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406 Carpenter St, Smiley, TX, 78159

1beds
1baths
910sqft
$82,000
$90price/sqft
$732/moest. monthly cost
$29,280/yrincome needed

About This Home

Charming 1 bedroom, 1 bath home situated on a large lot, offering peaceful country living with room to grow. This cozy residence features a welcoming front porch that spans the width of the home - perfect for relaxing mornings or quite evenings. Inside, the layout is simple and functional, making it ideal for a first time home buyer, downsizer or weekend retreat. The expansive lot provides endless possibilities for gardening, outdoor entertaining or future possibilities for gardening, outdoor entertaining or future improvements. Enjoy privacy, space and small town charm all in one inviting property.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
6/10
3/10
Nixon-Smiley High SchoolGrades 9-127.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1935

Materials

  • Foundation: Pillar/Post/Pier,Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • All Bedrooms Down,Ceiling Fan(s),Tub Shower,Eat-in Kitchen,Pantry
  • Flooring: Linoleum
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

  • Heating features: Propane,Space Heater
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 910 sqft

Property

Details

  • Parcel number: 16838

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Covered Patio,Storage
  • Fencing: Barbed Wire
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 0.58 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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
    HailVery High
  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Cold Wave
Hurricane
Lightning
Tornado
Drought
Heat Wave
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 $414$4,968
Home Insurance *$36$432
Property Taxes $44$528
Electricity $238$2,859
Total$732$8,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$25,097/yr
40% on housing$21,960/yr
45% on housing$19,520/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: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 78159$253
Gonzales County$282

vs Homes Sold Last Month

Median $/sqft

ZIP 78159
Gonzales County$139

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
2026-03-24Price change$82,500
2026-01-27Listed for sale$90,000

For Sale by Agent

AgentSissy Mills
BrokerageHeritage Oak Realty

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