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2803 Bois D Arc St, Commerce, TX, 75428

4beds
3baths
2,078sqft
$195,000
$94price/sqft
$1,756/moest. monthly cost
$70,240/yrincome needed

About This Home

Rare 4-bedroom, 3-bath opportunity in Commerce just a short walk from East Texas A&M University. With a flexible layout, covered parking, and a location that naturally appeals to students, faculty, investors, and owner-occupants alike, this property brings the kind of upside buyers look for but do not often find at this price point. This home is priced aggressively to reflect that it will need some work, making it an excellent value-add opportunity for the right buyer. Whether you are looking to renovate and hold as a rental, create student housing, or make strategic updates for long-term equity, the fundamentals are here: generous bedroom count, three full bathrooms, strong proximity to campus, and a layout with room to adapt. Bring your vision and your contractor. Opportunities this close to the university with 4 bedrooms, 3 baths, and covered parking are hard to come by — especially at a price that leaves room for improvement.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

--
3/10
Commerce Middle SchoolGrades 6-81.0 mi
3/10
Commerce High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1969

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

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

Bedroom

  • Level: First
  • Dimensions: 12 x 10

Bedroom

  • Level: First
  • Dimensions: 12 x 11

Bedroom

  • Level: First
  • Dimensions: 20 x 22

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Breakfast Room Nook

  • Level: First
  • Dimensions: 7 x 9

Dining Room

  • Level: First
  • Dimensions: 11 x 11

Features

  • Decorative/Designer Lighting Fixtures,High Speed Internet,Cable TV
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas,Masonry
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,078 sqft

Kitchen

  • Level: First
  • Dimensions: 10 x 10

Laundry

  • Level: First
  • Dimensions: 8 x 3

Living Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 18 x 12

Master Bathroom

  • Level: First
  • Dimensions: 10 x 5

Master Bedroom

  • Level: First
  • Dimensions: 14 x 11

Other

  • Level: First
  • Dimensions: 6 x 8

Other

  • Level: First
  • Dimensions: 7 x 7

Property

Details

  • Parcel number: 47781
  • Exclusions: Any and all personal belongings NOT considered a Fixture.

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Chain Link,Metal

Lot

  • Lot size: 0.27 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Carport,Carport,Driveway
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $986$11,832
Home Insurance *$263$3,156
Property Taxes $269$3,228
Electricity $238$2,859
Total$1,756$21,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,205/yr
40% on housing$52,680/yr
45% on housing$46,826/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: 2.9%
2.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.4%
6.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 75428$150
Hunt County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 75428$123
Hunt County$166

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
2026-08-07Contingent$195,000
2026-07-09Listed for sale$195,000
2020-10-12Listing removed$174,900
2020-09-07Pending sale$174,900
2020-08-04Listed for sale$174,900
2017-09-15Sold--
2017-08-17Pending sale$149,900
2017-05-15Listed for sale$155,900

For Sale by Agent

AgentEmerald Scott
BrokerageCompass RE Texas, LLC.

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