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303 Live Oak St, Valley Mills, TX, 76689

4beds
3baths
1,620sqft
$319,900
$197price/sqft
$2,698/moest. monthly cost
$107,920/yrincome needed

About This Home

Beautiful new build with tons of charm- this 4-bedroom, 2.5-bath home is designed for easy living and everyday comfort. From the welcoming entryway to the open and airy living spaces, every detail has been thoughtfully planned to make this home both stylish and functional. The kitchen shines with marble countertops, modern cabinetry, and quality finishes, while the bathrooms feature clean lines and a timeless design. With four spacious bedrooms, there’s room for everyone—whether you need a guest room, nursery, or home office. A covered back porch opens to a private, fenced backyard—perfect for quiet evenings, weekend cookouts, or space for kids and pets to play. Set in a peaceful neighborhood, you’ll enjoy the charm of Valley Mills with the convenience of being just a short drive to Waco. Move-in ready and turn-key, this home is a wonderful opportunity to put down roots in a welcoming small-town community.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
6/10
Valley Mills High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Refrigerator

Bedroom

  • Level: Second
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Granite Counters
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,620 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: R07412

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Fencing: Back Yard,Privacy

Lot

  • Lot size: 5,227 sqft

Parking

  • Parking features: Driveway

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Hail
Heat Wave
Wildfire

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 $1,617$19,404
Home Insurance *$446$5,352
Property Taxes $397$4,764
Electricity $238$2,859
Total$2,698$32,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,502/yr
40% on housing$80,940/yr
45% on housing$71,946/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 76689$381
Bosque County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 76689
Bosque County$131

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
2026-07-24Listed for rent$2,395
2026-07-02Price change$319,900
2026-03-17Price change$329,900
2025-09-23Listed for sale$339,900

For Sale by Agent

AgentHaley Holden
BrokerageTexas Luxury and Land

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