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1401 Arp St, Commerce, TX, 75428

5beds
3baths
3,700sqft
$399,900
$108price/sqft
$3,360/moest. monthly cost
$134,400/yrincome needed

About This Home

Don’t miss this rare opportunity to own the first home ever built in Commerce! This beautifully restored 5-bedroom, 3-bath historic home blends timeless character with modern updates throughout. Situated on a .55-acre lot, the property includes a 1,000 sq ft shop, partial wood fencing, and standout curb appeal with a wraparound porch and mature landscaping. The first floor features an oversized primary suite with a large walk-in closet and ensuite bath offering a jetted tub, dual sinks, granite countertops, and separate shower. A conveniently located laundry room sits just off the primary. The kitchen is open to the living room, perfect for entertaining, and showcases granite countertops, an island, pantry, contemporary cabinetry, pot filler, and new stainless-steel appliances. Also on the first floor are a flexible dining or second living area, two additional bedrooms, and another full bathroom. Upstairs, you'll find 2 spacious bedrooms with walk-in closets and a Jack & Jill bathroom. Located Downtown and very close to East Texas A&M University Commerce. Easy access to major highways and larger cities! New Survey has been completed.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

2/10
Commerce Middle SchoolGrades 6-81.3 mi
3/10
Commerce High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Detached,Historic/Antique
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Electric Cooktop,Electric Oven,Electric Water Heater,Plumbed For Gas,Refrigerator,Vented Exhaust Fan,Water Purifier

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedroom

  • Level: Second
  • Dimensions: 0 x 0

Bedroom

  • Level: Second
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Features

  • Chandelier,Cathedral Ceiling(s),Decorative/Designer Lighting Fixtures,Granite Counters,High Speed Internet,Kitchen Island,Loft,Pantry,Paneling/Wainscoting,Cable TV,Vaulted Ceiling(s),Natural Woodwork,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central,Electric,Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 3,700 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Pantry,Stone Counters
  • Level: First
  • Dimensions: 0 x 0

Laundry

  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bathroom

  • Features: Jetted Tub,Stone Counters
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Other

  • Level: First
  • Dimensions: 0 x 0

Other

  • Level: Second
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 54450

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Storage
  • Fencing: Fenced,High Fence,Partial Cross,Privacy,Wood

Lot

  • Lot size: 0.55 Acres
  • Features: Acreage,Corner Lot,Level,Few Trees

Parking

  • Parking features: Concrete,Driveway,Off Street,Parking Pad
  • Has uncovered spaces: Yes

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 $2,022$24,264
Home Insurance *$539$6,468
Property Taxes $393$4,716
Electricity $406$4,875
Total$3,360$40,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,200/yr
40% on housing$100,800/yr
45% on housing$89,600/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

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 75428$149
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
2026-04-27Price change$415,000
2026-02-04Listed for sale$435,000
2025-09-01Listing removed$350,000
2025-07-08Price change$350,000
2025-05-12Price change$365,000
2025-02-05Price change$375,000
2024-10-23Price change$385,000
2024-09-30Listed for sale$395,000
2024-09-17Listing removed$395,000
2024-09-11Listed for sale$395,000
2024-07-31Listing removed--
2024-07-03Listed for sale$399,900
2024-07-01Contingent$399,900
2024-06-09Price change$399,900
2024-03-28Price change$459,900
2024-02-13Price change$499,900
2024-01-30Listed for sale$539,900
2023-04-06Listing removed--
2022-05-27Listing removed$194,000
2021-05-19Listed for sale$194,000
2021-05-19Listing removed$194,000
2020-05-18Price change$194,000
2019-11-08Price change$249,900
2019-09-18Listed for sale$300,000

For Sale by Agent

AgentShayla Eadler
BrokerageTen Twenty Realty LLC

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