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5805 Cobalt Ln, Killeen, TX, 76542

5beds
3baths
3,215sqft
$354,000
$110price/sqft
$2,953/moest. monthly cost
$118,120/yrincome needed

About This Home

Located in a desirable neighborhood, this spacious home in White Rock Estates offers five bedrooms and two and a half bathrooms. The entry leads to a large foyer and an open dining and living area. There is also a separate family room and an open kitchen with a breakfast nook. The stainless steel refrigerator will stay with the home. Downstairs, you'll find an office or flexible space with a nearby half bath. The home features plenty of storage, tile floors, and updated laminate flooring in the family, dining, and living rooms. Upstairs, the bedrooms have generous closet space and a hall bath with a tub and shower. An extra family area upstairs can be used as a media room, game room, or relaxation space. The large master bedroom includes a spacious bathroom with double vanities and a walk-in shower. The home also features an indoor laundry and a three-car garage with ample storage. This is one of the few homes in the neighborhood with a three-car garage. The owner is offering a generous closing incentive to help the buyer purchase this beautiful home. Also, this loan is assumable with a fixed interest rate at 3.75. It is close to shopping, Sams Club, schools, and the hospital. Don’t miss your chance to make this home yours.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

4/10
5/10
5/10
Chaparral High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Foundation: Permanent
  • Roof: Composition,Shingle
  • Construction materials: Masonry

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary/Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Disposal,Microwave,Water Heater
  • Laundry features: Laundry in Utility Room,Lower Level,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Double Vanity,Tile Counters,Tub Shower,Breakfast Bar,Breakfast Area,Kitchen Island,Kitchen/Family Room Combo,Kitchen/Dining Combo,Pantry,Solid Surface Counters
  • Flooring: Combination
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central
  • Cooling features: 2 Units

Interior Area

  • Total interior livable area: 3,215 sqft

Property

Details

  • Parcel number: 352939

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Covered Patio
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 9,661 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Tornado
Winter Weather
Heat Wave

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 $1,790$21,480
Home Insurance *$248$2,976
Property Taxes $562$6,744
Electricity $353$4,236
Total$2,953$35,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,245/yr
40% on housing$88,590/yr
45% on housing$78,746/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
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 76542$143
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76542$142
Bell 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
2026-03-18Price change$359,900
2026-01-31Listed for sale$361,000
2025-12-19Listing removed$345,000
2025-11-05Price change$345,000
2025-06-21Listed for sale$365,000
2021-12-06Sold--
2021-10-25Pending sale$301,000
2021-10-08Listed for sale$285,000
2019-09-04Listing removed$1,550
2019-09-04Price change$1,550
2019-09-01Listed for rent$1,650

For Sale by Agent

AgentAlicia Alafa
BrokerageThe Foxx Real Estate Group-ARG

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