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4501 River Oaks Dr, Brownwood, TX, 76801

3beds
3baths
3,327sqft
$875,000
$263price/sqft
$6,076/moest. monthly cost
$243,040/yrincome needed

About This Home

Nestled on 14.28 scenic acres within Brownwood city limits, this beautifully maintained red brick French Colonial-style home offers the perfect blend of privacy, charm, and convenience. Extensively remodeled in 2008 and meticulously maintained through 2026, the home features 3 bedrooms, office 2.5 baths, 2 dining areas, and an over sized 2-car garage, 2 ponds, a $20,000 Master Spa-swim spa and 2 room Cassata. The professional-grade kitchen is equipped with 2 ovens, a built-in double refrigerator, and separate ice maker plus built-in hutch. The upstairs bath includes a luxurious $5,000 French soaking tub. The two living areas both have gas fireplaces and are designed for both comfort and entertaining. Outdoor amenities include a covered patio with built-in seating beneath a majestic oak, a balcony overlooking your private approx. 1 acre pond, a swim spa-exercise tub, and a second pond complete with a fishing dock. Across the driveway, the 464-square-foot 2 room cassata features a covered porch and patio. Water is available, and with electricity connected, it can be finished into a guest house, home office, studio, or additional living space. The property also includes a lean-to style barn with stalls and additional livestock space. Most of the acreage is fenced with barbed-wire fencing, making it well suited for horses, livestock, or 4-H and FFA projects. Enjoy the peace and privacy of country living with the convenience of being just minutes from shopping, dining, schools, and medical facilities. This rare Brownwood property offers acreage, water features, livestock amenities, and timeless character—all within the city limits. This property is also available with 9 acres & one pond for $825,000

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Brownwood Middle SchoolGrades 7-80.9 mi
4/10
Brownwood High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Built-In Refrigerator,Dishwasher,Gas Cooktop,Gas Oven,Ice Maker,Plumbed For Gas,Some Commercial Grade,Vented Exhaust Fan
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry in Utility Room

Bedroom

  • Level: Second
  • Dimensions: 11 x 15

Bedroom

  • Features: Built-in Features
  • Level: Second
  • Dimensions: 11 x 15

Bedrooms & Bathrooms

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

Breakfast Room Nook

  • Level: First
  • Dimensions: 9 x 10

Den

  • Features: Fireplace
  • Level: First
  • Dimensions: 20 x 26

Dining Room

  • Level: First
  • Dimensions: 12 x 13

Features

  • Chandelier,Decorative/Designer Lighting Fixtures,Double Vanity,Granite Counters,High Speed Internet,Kitchen Island,Multiple Staircases,Pantry,Walk-In Closet(s)
  • Window features: Bay Window(s),Window Coverings
  • Flooring: Carpet,Cork,Ceramic Tile,Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Den,Gas Starter,Living Room,Masonry,Wood Burning
  • Fireplace: Yes

Half Bath

  • Level: First
  • Dimensions: 99 x 99

Heating & Cooling

  • Heating features: Central,Fireplace(s),Natural Gas,Zoned
  • Cooling features: Central Air,Electric,Zoned

Interior Area

  • Total interior livable area: 3,327 sqft

Kitchen

  • Features: Built-in Features,Granite Counters,Kitchen Island,Pantry,Stone Counters,Walk-In Pantry
  • Level: First
  • Dimensions: 11 x 20

Living Room

  • Features: Built-in Features,Fireplace
  • Level: First
  • Dimensions: 13 x 18

Master Bathroom

  • Features: Built-in Features,Separate Shower
  • Level: Second
  • Dimensions: 99 x 99

Master Bedroom

  • Features: Built-in Features
  • Level: Second
  • Dimensions: 12 x 18

Office

  • Features: Built-in Features
  • Level: First
  • Dimensions: 12 x 17

Other

  • Features: Garden Tub/Roman Tub
  • Level: Second
  • Dimensions: 99 x 99

Utility Room

  • Features: Built-in Features,Utility Room,Utility Sink
  • Level: First
  • Dimensions: 99 x 99

Property

Details

  • Parcel number: 000000056170
  • Attached to another structure: Yes
  • Other equipment: Livestock Equipment

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Above Ground,Cabana,Heated,None
  • Patio & porch: Balcony,Covered,Deck
  • Exterior features: Balcony,Deck,Dock,Storage
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Barbed Wire,Fenced,Wire
  • Has view: Yes
  • View description: Park/Greenbelt
  • Residential vegetation: Grassed,Partially Wooded

Lot

  • Lot size: 14.28 Acres
  • Features: Acreage,Back Yard,Cleared,Hardwood Trees,Lawn,Landscaped,Pond on Lot,Many Trees,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Concrete,Door-Multi,Driveway,Garage,Garage Door Opener,Inside Entrance,Kitchen Level,Oversized,Garage Faces Side
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Heat Wave
Lightning
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 $4,424$53,088
Home Insurance *$1,030$12,360
Property Taxes $257$3,084
Electricity $365$4,383
Total$6,076$72,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$208,320/yr
40% on housing$182,280/yr
45% on housing$162,026/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: 4.3%
4.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 76801$133
Brown County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 76801$121
Brown County$116

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
2026-07-17Price change$825,000
2026-07-17Listed for sale$875,000

For Sale by Agent

AgentAnn Jones
BrokerageAnn Jones Real Estate

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