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5518 Birmingham Cir, Killeen, TX, 76542

5beds
3baths
3,270sqft
$339,990
$104price/sqft
$2,870/moest. monthly cost
$114,800/yrincome needed

About This Home

**New Roof 2026 ** New A/C 2026** Energy Efficient Window Installed 2025** This home is eligible for zero down payment financing and paid closing cost with the preferred lender. Welcome home to space and comfort, perfectly designed for everyday convenience. From the moment you step inside, you’ll notice the thoughtful layout with both formal living and dining rooms—ideal for hosting gatherings and a warm and inviting family room that flows seamlessly into the eat-in kitchen, creating the perfect hub for daily life. The large flex room can be used as a 5th bedroom, theater room or home office. Upstairs, a versatile loft space adds even more room to relax, play, or create. You’ll also love the oversized closets throughout, giving you all the storage you’ve been looking for. Step outside and unwind under mature shade trees that provide both beauty and comfort. With no HOA, you’ll enjoy the freedom to truly make this home your own. This home has many cost saving features to include; a whole home water softener, solar panels, new roof and energy efficient windows. The location is just as impressive: just 5 minutes from shopping, hospitals, restaurants, and entertainment, with an easy 11-minute commute to Fort Hood. Schedule your showing today!

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
5/10
3/10
C. E. Ellison High SchoolGrades 9-123.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2008

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type,Masonry

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Electric Cooktop,Exhaust Fan,Electric Water Heater,Disposal,Ice Maker,Microwave,Water Heater,Some Electric Appliances,Cooktop,Water Softener Owned
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Laundry in Utility Room,Main Level,Laundry Room

Bedroom2

  • Level: Upper
  • Dimensions: 12.5x12

Bedroom3

  • Level: Upper
  • Dimensions: 12.5x13.5

Bedroom4

  • Level: Upper
  • Dimensions: 13x13.5

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • All Bedrooms Up,Ceiling Fan(s),Dining Area,Separate/Formal Dining Room,Double Vanity,Entrance Foyer,Granite Counters,Home Office,Jetted Tub,Multiple Living Areas,MultipleDining Areas,Pantry,Soaking Tub,Separate Shower,Smart Thermostat,Upper Level Primary,Walk-In Closet(s),Breakfast Bar,Breakfast Area,Eat-in Kitchen,Kitchen Island
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central,Electric,Multiple Heating Units,Solar
  • Cooling features: Central Air,Electric,2 Units

Interior Area

  • Total interior livable area: 3,270 sqft

Master Bedroom

  • Level: Upper
  • Dimensions: 18.5x17

Other

  • Level: Lower
  • Dimensions: 11.5x15.5

Property

Details

  • Parcel number: 388396
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Deck,Porch
  • Spa features: Bath
  • Fencing: Back Yard,Wood
  • Waterbody name: None Water Features

Lot

  • Lot size: 7,801 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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

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

How This Home’s Risks Compare

Hail
Tornado
Cold Wave
Heat Wave
Lightning
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 $1,719$20,628
Home Insurance *$238$2,856
Property Taxes $554$6,648
Electricity $359$4,308
Total$2,870$34,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,400/yr
40% on housing$86,100/yr
45% on housing$76,533/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 76542$143
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76542$142
Bell County$145

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
2026-07-18Price change$339,990
2026-06-05Price change$345,000
2026-05-05Listed for sale$349,900

For Sale by Agent

AgentKhafia McCoy
BrokerageColdwell Banker Realty

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