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209 Mill St, Lone Oak, TX, 75453

2beds
1baths
900sqft
$198,000
$220price/sqft
$1,551/moest. monthly cost
$62,040/yrincome needed

About This Home

This cozy 2-bedroom, 1 bath home is perfect for first-time buyers, downsizers, or investors. Located just minutes from downtown and schools, it offers easy access to shopping, dining, and everyday essentials. Commuters will appreciate the quick highway access, making travel simple. With a little personal touch, this home has great potential. Located in Lone Oak ISD!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
54
BikeBikeable

Schools

5/10
6/10
Lone Oak Middle SchoolGrades 6-80.6 mi
7/10
Lone Oak High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2008

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Ceiling Fan(s)

Features

  • Decorative/Designer Lighting Fixtures,Open Floorplan

Interior Area

  • Total interior livable area: 900 sqft

Kitchen

  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 73964

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.51 Acres

Parking

  • Parking features: Driveway
  • 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
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Cold Wave
Hail
Heat Wave
Strong Wind
Inland Flooding
Lightning
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 $1,001$12,012
Home Insurance *$135$1,620
Property Taxes $177$2,124
Electricity $238$2,859
Total$1,551$18,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,177/yr
40% on housing$46,530/yr
45% on housing$41,360/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

$220This listing

vs Other Active Listings

Avg $/sqft

ZIP 75453$163
Hunt County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 75453$162
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
2026-04-17Listed for sale$210,000
2026-03-09Listing removed$210,000
2025-06-21Price change$210,000
2025-03-08Listed for sale$215,000
2022-10-28Sold--
2022-09-19Pending sale$195,000
2022-09-12Contingent$195,000
2022-08-25Price change$195,000
2022-07-29Price change$215,000
2022-07-08Price change$239,900
2022-06-27Price change$250,000
2022-06-16Listed for sale$259,000
2014-07-03Listing removed$59,900
2014-05-03Price change$59,900
2014-04-10Listed for sale$62,500

For Sale by Agent

AgentKayla Dunham
BrokerageTexan Realtor Group LLC

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