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817 S Bell St, Hamilton, TX, 76531

3beds
2baths
1,694sqft
$207,000
$122price/sqft
$1,836/moest. monthly cost
$73,440/yrincome needed

About This Home

Charming 3 bedroom, 2 bath home conveniently located near Hamilton ISD. The kitchen offers a gas stove, abundant cabinet space, a large pantry, open concept layout flowing into the dining area, plus a pass-through window overlooking the den. The spacious primary suite includes a private bath featuring a tub and shower combination, single sink, generous counter space. The den showcases a striking brick accent wall with a cozy fireplace, creating a warm, inviting atmosphere. Two additional bedrooms are situated on the opposite side of the home, sharing a bath with a tub and shower combination. Enjoy outdoor living in the spacious backyard with a privacy metal fence, wood porch ideal for entertaining or relaxing.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
7/10
7/10
Hamilton High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range
  • Laundry features: Electric Dryer Hookup,Laundry in Utility Room

Bedrooms & Bathrooms

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

Features

  • Pantry
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,694 sqft

Living Room

  • Level: First
  • Dimensions: 20 x 16

Master Bedroom

  • Level: First
  • Dimensions: 13 x 16

Property

Details

  • Parcel number: R18576

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard,Metal

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 2
  • Parking features: Paved
  • 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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds

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 $1,046$12,552
Home Insurance *$375$4,500
Property Taxes $177$2,124
Electricity $238$2,859
Total$1,836$22,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,948/yr
40% on housing$55,080/yr
45% on housing$48,960/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: 4.5%
4.5%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.8%
-5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$122This listing

vs Other Active Listings

Avg $/sqft

ZIP 76531$246
Hamilton County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 76531
Hamilton County$88

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
2026-03-31Price change$207,000
2026-02-09Price change$218,000
2025-12-23Listed for sale$220,000
2021-08-09Sold--
2021-06-14Pending sale$175,000
2021-06-01Listed for sale$175,000
2019-07-17Sold--
2019-02-19Pending sale$79,900
2018-10-23Listed for sale$79,900

For Sale by Agent

AgentJana Carpenter
BrokerageKeller Williams Frisco Stars

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