See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

818 E Elm St, Hillsboro, TX, 76645

3beds
2baths
2,643sqft
$289,900
$110price/sqft
$2,197/moest. monthly cost
$87,880/yrincome needed

About This Home

Step into timeless charm with this 3-bedroom, 2-bath home built in 1893 on a spacious corner lot. Solid bones and historic character you simply can’t replicate with modern construction. Major improvements including an upgraded HVAC system for year-round comfort and a durable metal roof installed in 2019. The solar panels added in 2017 to help maximize energy efficiency. The home has also been replumbed with PEX, offering reliability and long-term value. The third bedroom upstairs includes an attached bathroom space that could easily be finished out, creating the opportunity for a full three-bathroom layout. Relax and unwind on the covered back porch with added privacy, creating a peaceful space for grilling, or simply enjoying quiet evenings outdoors. Additional features include a dedicated tool room — perfect for hobbies, projects, or extra storage — along with a small outdoor shed ideal for lawn equipment or seasonal items.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
8/10
7/10
Hillsboro High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1893

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Electric Cooktop

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedroom

  • Level: Second
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

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

Features

  • Other
  • Flooring: Laminate,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 2,643 sqft

Kitchen

  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 107423
  • Exclusions: Cameras around the house,hot tub

Features

  • Levels: One and One Half
  • Pool features: None
  • Patio & porch: Awning(s),Covered
  • Fencing: Chain Link,Privacy

Lot

  • Lot size: 0.37 Acres

Parking

  • Total spaces: 2
  • Parking features: Concrete,Garage
  • 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 WaveVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Heat Wave
Ice Storm
Strong Wind

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 $1,465$17,580
Home Insurance *$189$2,268
Property Taxes $253$3,036
Electricity $290$3,482
Total$2,197$26,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,325/yr
40% on housing$65,910/yr
45% on housing$58,586/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$110This listing

vs Other Active Listings

Avg $/sqft

ZIP 76645$145
Hill County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 76645
Hill County$180

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
2026-03-24Price change$289,900
2026-03-03Listed for sale$299,900
2026-02-19Listing removed$325,000
2026-01-09Price change$325,000
2025-09-30Listed for sale$350,000
2025-09-24Listing removed$350,000
2025-09-02Price change$350,000
2025-08-18Price change$360,000
2025-07-28Price change$365,000
2025-07-09Listed for sale$370,000
2014-01-11Listing removed$99,500
2013-07-20Listed for sale$99,500

For Sale by Agent

AgentIllene Heard
BrokerageElite Real Estate Texas

Similar Homes