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708 Prater St, Brownwood, TX, 76801

2beds
1baths
1,195sqft
$115,000
$96price/sqft
$1,156/moest. monthly cost
$46,240/yrincome needed

About This Home

Charming craftsman style brick home that is appealing to a first time home buyer or an investor. This home has lots of character with its classic brick and front porch with a attached carport. The home sits on a corner lot with some large Pecan trees and big fenced back yard for kids to play in. The home is a two bedroom 1 bath with a spacious living area and a formal dining room. The home has original hardwood floors throughout most of the home and some tile flooring in the back. The dining room has a built in china cabinet that is perfect for the family china. This home has had some updating including new foundation repair with 5 year warranty. This home is a must see to appreciate.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
East Elementary SchoolGrades PK-50.3 mi
6/10
Brownwood Middle SchoolGrades 7-81.6 mi
4/10
Brownwood High SchoolGrades 9-120.9 mi

Construction

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Refrigerator
  • Laundry features: Common Area,Washer Hookup,Electric Dryer Hookup,Laundry in Utility Room

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Features

  • Pantry,Paneling/Wainscoting,Walk-In Closet(s)
  • Flooring: Ceramic Tile,Hardwood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 1,195 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 000000057444
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Enclosed,Front Porch
  • Fencing: Back Yard,Privacy

Lot

  • Lot size: 6,751 sqft
  • Features: Back Yard,Interior Lot,Lawn,Few Trees

Parking

  • Total spaces: 1
  • Parking features: Attached Carport,Alley Access,Carport,On Street
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Tornado

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 $581$6,972
Home Insurance *$135$1,620
Property Taxes $202$2,424
Electricity $238$2,859
Total$1,156$13,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,634/yr
40% on housing$34,680/yr
45% on housing$30,826/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

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 76801$138
Brown County$178

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
2026-05-11Price change$119,500
2026-03-17Listed for sale$127,000

For Sale by Agent

AgentJosh Stegemoller
BrokerageDonnie Stegemoller, REALTORS®

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