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304 Ridgewood Dr, Tool, TX, 75143

3beds
2baths
1,216sqft
$233,500
$192price/sqft
$1,948/moest. monthly cost
$77,920/yrincome needed

About This Home

This well keep home is ready for it new owner. This two story home features, 3 bedrooms, 2 full bathrooms, open floor plan, and a very large double lot for entertaining at the fire pit. Home was renovated several years back with included tank less hot water heater, new windows, new appliances and update bathrooms and kitchen. This would be great for a first time home buyer, Airbnb, or a weekend lake spot.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Tool Elementary SchoolGrades PK-51.5 mi
4/10
Malakoff Middle SchoolGrades 6-813.2 mi
6/10
Malakoff High SchoolGrades 9-1211.7 mi

Construction

Condition

  • Year built: 1978

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Disposal

Bedrooms & Bathrooms

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

Features

  • Granite Counters,Open Floorplan

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,216 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: Second
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 23550000124063

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 9,844 sqft

Parking

  • Parking features: Outside

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 WaveVery High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Severe Storm
Winter 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 $1,180$14,160
Home Insurance *$185$2,220
Property Taxes $345$4,140
Electricity $238$2,859
Total$1,948$23,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,788/yr
40% on housing$58,440/yr
45% on housing$51,946/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 75143$212
Henderson County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 75143$190
Henderson County$172

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
2026-04-20Price change$254,900
2026-04-04Price change$269,900
2019-06-07Pending sale$139,500
2019-04-30Price change$139,500
2019-04-09Listed for sale$139,900
2018-09-14Listing removed$100,000
2018-08-14Listed for sale$100,000
2017-12-05Listing removed$69,000
2017-11-01Pending sale$69,000
2017-08-24Price change$69,000
2017-08-17Price change$72,500
2017-08-07Price change$80,000
2017-07-29Listed for sale$90,000
2013-06-22Listing removed$67,500
2013-04-25Price change$67,500
2012-12-23Listed for sale$71,000

For Sale by Agent

AgentStephani Shafer-Hardy
BrokerageBarnhart Realty Group

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