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508 Virginia St, Graham, TX, 76450

2beds
2baths
960sqft
$194,000
$202price/sqft
$1,859/moest. monthly cost
$74,360/yrincome needed

About This Home

This move-in-ready home has been extensively updated with new mechanical systems, electrical, plumbing, and a new roof, offering peace of mind for years to come. Inside, you’ll find updated finishes, stylish touches, and a functional layout designed for both everyday living and entertaining. The spacious living area flows seamlessly into the kitchen and dining space, while both bedrooms and fully renovated bathrooms provide comfort and modern appeal. Whether you’re a first-time homebuyer, looking to downsize, or searching for a great investment opportunity, this beautifully updated home checks all the boxes. With all the major improvements already completed, all that’s left to do is move in and enjoy!

Getting Around

50
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

5/10
6/10
6/10
Graham High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1950

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave

Bedrooms & Bathrooms

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

Features

  • Decorative/Designer Lighting Fixtures,Double Vanity,Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Luxury Vinyl Plank,Tile

Heating & Cooling

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

Interior Area

  • Total interior livable area: 960 sqft

Living Room

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

Master Bedroom

  • Features: Dual Sinks,Separate Shower,Walk-In Closet(s)
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 2116

Features

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

Lot

  • Lot size: 4,573 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter 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 $980$11,760
Home Insurance *$451$5,412
Property Taxes $190$2,280
Electricity $238$2,859
Total$1,859$22,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,737/yr
40% on housing$55,770/yr
45% on housing$49,573/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.4%
-5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 76450$268
Young County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 76450
Young County$78

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
2026-08-07Price change$175,000
2026-07-23Price change$194,000
2026-06-25Price change$199,000
2026-06-15Price change$214,000
2026-05-12Listed for sale$219,000

For Sale by Agent

AgentAlbert Ramirez
BrokerageHARBCO Realty

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