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109 Harvest Hill Ln, Red Oak, TX, 75154

3beds
2baths
1,982sqft
$299,000
$151price/sqft
$2,317/moest. monthly cost
$92,680/yrincome needed

About This Home

Competitively priced and move-in ready, this freshly painted home features brand-new carpeting throughout. Step inside to a welcoming foyer where double doors open to a spacious private office or flex room, offering the versatility to fit your lifestyle. The heart of the home features a spacious kitchen that seamlessly connects to the dining and living areas, creating a warm, inviting space for everyday living and effortless entertaining. The kitchen offers abundant cabinetry, modern appliances, and generous counter space, making it ideal for meal preparation and gathering with family and friends. Unwind in the spacious primary suite featuring an oversized walk-in closet, a relaxing soaking tub, separate shower, and dual-sink vanity. The fully fenced backyard provides plenty of room for children, pets, outdoor entertaining, or creating the garden you've always envisioned. Even the garage stands out with color-coordinated painted walls and an epoxy-coated floor, giving it a clean, polished finish. Additional highlights include a Nest Thermostat, Ring doorbell, and Lutron Smart Hub for convenient smart home integration. Conveniently located with easy access to I-35, this home offers an easy commute while enjoying the comfort of a quiet residential neighborhood. You'll also appreciate the proximity to shopping, dining, schools, and community amenities. Combining comfort, functionality, and exceptional value, this move-in-ready home is an excellent opportunity for first-time buyers, downsizers, or anyone seeking a well-maintained home in a desirable location. Please note: FHA loans not eligible for the first 90 days listing.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Red Oak Elementary SchoolGrades PK-50.4 mi
4/10
Red Oak Middle SchoolGrades 6-81.4 mi
4/10
Red Oak High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal
  • Laundry features: Laundry in Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: First
  • Dimensions: 12 x 11

Features

  • Eat-in Kitchen,Open Floorplan,Cable TV,Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Linoleum

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,982 sqft

Living Room

  • Level: First
  • Dimensions: 17 x 12

Master Bedroom

  • Level: First
  • Dimensions: 14 x 15

Property

Details

  • Parcel number: 227709

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard,Fenced,Wood

Lot

  • Lot size: 7,884 sqft
  • Features: Interior Lot,Subdivision,Few Trees

Parking

  • Total spaces: 2
  • Parking features: Driveway,Inside Entrance,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tornado
Heat Wave
Winter Weather

FEMA Declared Disasters Across Texas Counties

Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,511$18,132
Home Insurance *$203$2,436
Property Taxes $365$4,380
Electricity $238$2,859
Total$2,317$27,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,440/yr
40% on housing$69,510/yr
45% on housing$61,786/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 75154$162
Ellis County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 75154$179
Ellis County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-16Price change$297,000
2026-08-14Listed for sale$299,000
2026-08-10Contingent$299,000
2026-07-28Listed for sale$299,000
2026-07-21Sold--
2023-10-13Sold--
2023-09-15Pending sale$310,000
2023-09-12Contingent$310,000
2023-09-06Listed for sale$310,000
2011-11-01Listing removed$109,900
2011-08-12Price change$109,900
2011-05-22Price change$124,000
2010-12-24Price change$109,900
2010-12-11Price change$119,900
2010-09-23Price change$125,000
2010-09-21Price change$129,900
2010-09-03Listed for sale$133,000
2010-07-03Listing removed$133,500
2010-01-30Listed for sale$133,500

For Sale by Agent

AgentMarcia Millard
BrokerageRegal, REALTORS

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