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818 Plum St, Lockhart, TX, 78644

2beds
2baths
952sqft
$200,000
$210price/sqft
$1,564/moest. monthly cost
$62,560/yrincome needed

About This Home

Investor Opportunity in Downtown Lockhart! Sitting on a rare 0.38-acre lot, this property is full of potential. The previous owner had planned a complete renovation and has already completed the interior demolition, giving the next owner a head start on bringing their vision to life. Skip the demo phase and start building right away. Whether you're looking to renovate and flip, create a rental property, or design your dream home, this oversized lot offers endless possibilities. Conveniently located just minutes from Lockhart's historic downtown square, shopping, restaurants, and schools. Property is being sold as-is. Buyer to verify all information and perform their own due diligence.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
4/10
3/10
Lockhart High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Tear Down
  • Year built: 1945

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Primary Bedroom on Main
  • Window features: None
  • Flooring: See Remarks

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total interior livable area: 952 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 030054100100440
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch
  • Exterior features: None
  • Fencing: Back Yard
  • Has view: Yes
  • View description: City,Neighborhood
  • Waterfront features: None

Lot

  • Lot size: 0.38 Acres
  • Features: Back Yard,Trees-Large (Over 40 Ft)

Parking

  • Parking features: Detached Carport

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

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Hail
Lightning
Strong Wind
Winter Weather
Cold Wave
Heat Wave
Inland Flooding

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 $1,011$12,132
Home Insurance *$140$1,680
Property Taxes $175$2,100
Electricity $238$2,859
Total$1,564$18,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,622/yr
40% on housing$46,920/yr
45% on housing$41,706/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 9.3%
9.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 78644$381
Caldwell County$321

vs Homes Sold Last Month

Median $/sqft

ZIP 78644$159
Caldwell County$153

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)

No zestimate history available

Price History

DateEventPrice
2026-07-16Listed for sale$200,000
2025-02-13Sold--
2025-01-31Pending sale$195,000
2024-12-10Listed for sale$195,000

For Sale by Agent

AgentLILIANA POSADA ESTRADA
BrokerageIdeal Realty

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