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817 Howard St, Jacksonville, TX, 75766

2beds
2baths
1,283sqft
$185,000
$144price/sqft
$1,553/moest. monthly cost
$62,120/yrincome needed

About This Home

Thoughtfully updated and move in ready, this two bedroom, two bath brick home offers a welcoming interior with plenty of character. The spacious living room features a bay window and distinctive raised ceiling, creating a comfortable space to relax or entertain. The kitchen stands out with granite countertops, tile backsplash, breakfast bar, generous cabinetry, plenty of counter space, and an adjoining dining area. The home offers two full bathrooms, including one with a tub and shower combination and another with a separate walk in shower. Attractive flooring and neutral finishes flow throughout the home, while the separate utility room adds everyday convenience. Outside, enjoy the shaded lot, fenced backyard, covered patio, and storage building. The garage provides additional parking and storage space. Conveniently located in Jacksonville, this charming home is ready for its next owner. Schedule your private showing today!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

5/10
4/10
5/10
Jacksonville High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1988

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven-Electric,Dishwasher,Disposal,Microwave,Gas Water Heater

Bathroom

  • Features: Shower Only,Shower/Tub

Bedroom

  • Features: Other/See Remarks

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Pantry
  • Window features: Blinds
  • Flooring: Laminate
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central/Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 1,283
  • Total interior livable area: 1,283 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Property

Details

  • Parcel number: 223524110
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio Covered
  • Exterior features: Gutter(s)
  • Fencing: Wood

Lot

  • Features: Subdivision Lot

Parking

  • Total spaces: 1
  • Parking features: Door w/Opener w/Controls,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Heat Wave
Ice Storm
Lightning
Tornado
Winter Weather
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
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 $935$11,220
Home Insurance *$182$2,184
Property Taxes $198$2,376
Electricity $238$2,859
Total$1,553$18,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,245/yr
40% on housing$46,590/yr
45% on housing$41,413/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: 4.1%
4.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 75766$186
Cherokee County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 75766$121
Cherokee County$121

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
2026-08-03Listed for sale$185,000
2026-07-28Pending sale$185,000
2026-07-16Listed for sale$185,000
2025-06-04Sold--
2025-05-03Pending sale$189,500
2025-03-14Listed for sale$189,500
2020-09-01Sold--
2020-08-08Pending sale$95,000
2020-08-01Listed for sale$95,000

For Sale by Agent

AgentMario Duran
BrokerageRealty One Group Rose

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