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2604 Pinoak St, Granbury, TX, 76048

2beds
2baths
1,040sqft
$120,000
$115price/sqft
$1,069/moest. monthly cost
$42,760/yrincome needed

About This Home

Affordable opportunity in Oak Trail Shores! This 2-bedroom, 1 and a half bath home sits on two combined lots in an established lake community with low annual HOA dues and access to community amenities. The open living area features tile flooring, a brick fireplace, and a ceiling fan, with plenty of natural light from large windows. The eat-in kitchen offers good cabinet space and a stainless range. A 2nd living area, with a layout that is functional and efficient. The property is vacant and ready for its next chapter, whether as a primary residence, weekend retreat, or investment-rental. Call today for a tour!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

6/10
4/10
Granbury Middle SchoolGrades 6-82.7 mi
6/10
Granbury High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1981

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen

Heating

  • Heating features: Electric

Interior Area

  • Total interior livable area: 1,040 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: R000023622

Features

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

Lot

  • Lot size: 3,920 sqft

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

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Heat Wave
Ice Storm
Lightning
Strong Wind

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 $606$7,272
Home Insurance *$108$1,296
Property Taxes $117$1,404
Electricity $238$2,859
Total$1,069$12,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,651/yr
40% on housing$32,070/yr
45% on housing$28,506/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$115This listing

vs Other Active Listings

Avg $/sqft

ZIP 76048$156
Hood County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 76048$181
Hood County$178

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
2026-04-22Listed for sale$120,000
2020-03-01Listing removed$92,750
2019-11-07Price change$92,750
2019-10-18Price change$95,900
2019-09-27Price change$97,500
2019-09-09Price change$99,950
2019-09-03Listed for sale$99,995
2017-04-17Listing removed$70,900
2017-04-12Price change$70,900
2017-03-28Price change$74,900
2017-03-19Price change$79,900
2017-02-28Price change$79,500
2017-02-07Price change$84,500
2017-01-31Listed for sale$89,500
2016-04-05Sold--

For Sale by Agent

AgentNathan Smothermon
BrokerageThe Trusted Property Advisors

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