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215 Bell St, Gainesville, TX, 76240

2beds
1baths
1,148sqft
$125,000
$109price/sqft
$1,181/moest. monthly cost
$47,240/yrincome needed

About This Home

This 2 bedroom, 1 bathroom home sits on a spacious lot in a quiet Gainesville neighborhood. Built in the 1930s, it offers solid bones and a traditional layout. This property could easily be a resale, rental, or residential home. The covered front porch is south facing for warm evenings and cozy morning coffee. The fenced in backyard is perfect for gatherings, as well as a play area for children and pets. Recent updates include flooring in the backroom, and plumbing updates in the bathroom.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

--
Edison Elementary SchoolGrades PK-11.2 mi
3/10
3/10
Gainesville High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 1935

Materials

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

Type & Style

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

Interior

Appliances

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

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Dining Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Features

  • Decorative/Designer Lighting Fixtures,Paneling/Wainscoting
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,148 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Other

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 20237

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered
  • Fencing: Back Yard,Chain Link

Lot

  • Lot size: 8,886 sqft

Parking

  • Total spaces: 1
  • Parking features: Carport
  • 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

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Hail
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
Cold 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 $632$7,584
Home Insurance *$127$1,524
Property Taxes $184$2,208
Electricity $238$2,859
Total$1,181$14,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,491/yr
40% on housing$35,430/yr
45% on housing$31,493/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: 3.4%
3.4%
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

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 76240$206
Cooke County$233

vs Homes Sold Last Month

Median $/sqft

ZIP 76240$160
Cooke County$173

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
2026-04-24Price change$120,000
2026-03-04Listed for sale$145,000
2026-01-05Listing removed$145,000
2025-08-12Listed for sale$145,000
2011-12-19Sold--
2011-05-02Sold--
2011-01-16Listed for sale$22,000

For Sale by Agent

AgentAmber Graham
BrokerageRE/MAX FIRST REALTY

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