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10297 County Road 197, Breckenridge, TX, 76424

4beds
4baths
3,490sqft
$599,000
$172price/sqft
$4,861/moest. monthly cost
$194,440/yrincome needed

About This Home

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
South Elementary SchoolGrades 3-55.6 mi
5/10
Breckenridge High SchoolGrades 9-125.3 mi

Construction

Condition

  • Year built: 1970

Type & Style

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

Interior

Bedroom

  • Level: First
  • Dimensions: 0 x 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Features

  • Other
  • Number of fireplaces: 1
  • Fireplace features: Other
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 3,490 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: R14558
  • Exclusions: PERSONAL PROPERTY

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.47 Acres

Parking

  • Total spaces: 1
  • Parking features: Additional Parking
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Strong Wind
Tornado
Wildfire
Drought
Heat Wave

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 $3,028$36,336
Home Insurance *$1,276$15,312
Property Taxes $174$2,088
Electricity $383$4,598
Total$4,861$58,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,662/yr
40% on housing$145,830/yr
45% on housing$129,626/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -11.0%
-11.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 76424$100
Stephens County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 76424
Stephens County$97

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
2026-03-27Listed for sale$599,000
2026-03-26Listing removed$599,000
2026-03-15Price change$599,000
2026-02-11Price change$625,000
2025-11-13Listed for sale$649,000
2025-11-13Listing removed$649,000
2025-10-29Price change$649,000
2025-10-08Price change$699,000
2025-08-14Listed for sale$715,000
2016-06-29Sold--

For Sale by Agent

AgentKerry Kersh
BrokerageKersh Real Estate

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