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421 S Garitty St, Frost, TX, 76641

3beds
2baths
1,216sqft
$139,900
$115price/sqft
$1,523/moest. monthly cost
$60,920/yrincome needed

About This Home

Step inside this gently lived in 2024 Clayton Home with 3 bedrooms, 2 baths, and a great location in Frost ISD. The living room welcomes you with a warm, modern color palette and built-ins ready to frame your big-screen TV. The kitchen is a true showstopper with an oversized island, breakfast bar, farm sink, stainless steel appliances, and plenty of counter space and cabinets for all your cooking needs. The fridge does convey with the property. The oversized primary suite offers a relaxing ensuite with a dual sink vanity, garden tub, and separate shower. With the split-bedroom layout, the two additional bedrooms are tucked away on the opposite side of the home for extra privacy. You’ll also find a full-size laundry room with shelving for pantry space and as a huge bonus, the washer and dryer stay! Out back, a 31x30 concrete slab is already in place, perfect for adding a massive porch or anything else you dream up. Come take a look before it’s gone! Previous Buyer got cold feet so here's your second chance!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

5/10
Frost Elementary SchoolGrades PK-60.5 mi
4/10
Frost SecondaryGrades 7-120.5 mi

Construction

Condition

  • Year built: 2024

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator,Vented Exhaust Fan

Bedroom

  • Features: Ceiling Fan(s),Split Bedrooms
  • Level: First
  • Dimensions: 14 x 9

Bedroom

  • Features: Ceiling Fan(s),Split Bedrooms
  • Level: First
  • Dimensions: 9 x 9

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Decorative/Designer Lighting Fixtures,Eat-in Kitchen,Kitchen Island,Open Floorplan,Other,Cable TV,Walk-In Closet(s)
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,216 sqft

Kitchen

  • Features: Breakfast Bar,Built-in Features,Eat-in Kitchen,Kitchen Island,Solid Surface Counters
  • Level: First
  • Dimensions: 14 x 12

Living Room

  • Features: Built-in Features,Ceiling Fan(s)
  • Level: First
  • Dimensions: 15 x 14

Master Bathroom

  • Features: Dual Sinks,Garden Tub/Roman Tub,Separate Shower
  • Level: First
  • Dimensions: 8 x 11

Master Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 14 x 12

Utility Room

  • Features: Built-in Features,Utility Room
  • Level: First
  • Dimensions: 11 x 5

Property

Details

  • Parcel number: 42524

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: None

Lot

  • Lot size: 0.32 Acres

Parking

  • Parking features: Driveway

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Ice Storm
Drought
Inland Flooding
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 $707$8,484
Home Insurance *$322$3,864
Property Taxes $256$3,072
Electricity $238$2,859
Total$1,523$18,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,217/yr
40% on housing$45,690/yr
45% on housing$40,613/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.0%
-5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$115This listing

vs Other Active Listings

Avg $/sqft

ZIP 76641$139
Navarro County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 76641$128
Navarro County$145

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
2026-07-31Price change$139,900
2026-07-17Listed for sale$145,000
2026-07-09Contingent$145,000
2026-06-24Listed for sale$145,000
2026-01-30Listing removed$165,000
2025-09-30Price change$165,000
2025-08-25Price change$175,000
2025-08-08Listed for sale$184,000

For Sale by Agent

AgentLeslie Melton
BrokerageeXp Realty LLC

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