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Owner Contacts

$441,847

NAL Estimated Property Value

303 E Cottonwood St, Decatur, TX, 76234

Off Market

4 Beds

4 Bath

3,117 Sq Ft

Single Family Residence

$156.88 / sqft

Built in 1940

Property Lead Type:

Off-Market ListAbsentee OwnerMove-In Ready

Highlights

Interior

Bedrooms 4

Bathrooms Full 1.5

Garage Available

AppliancesRefrigerator, Built-In Gas Range, Built-In Refrigerator, Dishwasher, Disposal, Gas Oven, Gas Range, Gas Water Heater, Microwave, Vented Exhaust Fan

FlooringCarpet, Tile, Vinyl, Wood

Exterior

Exterior FeaturesLighting

Lot Size14,157 sqft

Building Information

Year Built1940

Stories1

Roof Type158

Garage Spaces1

Land Information

APND2340.0017.00

SubdivisionProctor Addition

Land UseResidential

Legal DescriptionPROCTOR ADDITION 0.325 ACRES BLOCK 17

Census Tract150202

Assessed Land Value$76,023

Assessed Improvement Value$365,824

Assessment Year2025

About this property

***Back on market, due to contract falling through.*** Craftsman-style home, beautifully renovated inside and out. Original doors, doorknobs, hardwood floors. etc. Corner lot. New stainless Whirlpool appliances (incl. fridge), custom cabinets, countertops & tile in kitchen. All 3.5 bathrooms have all been FULLY updated. All wet areas: brand new tile. Living areas & bedrooms: original hardwood floors. Master bedroom downstairs: HUGE walk-in closet & master bathroom suite. 1 of 3 bedrooms upstairs has walk-in closet and full bathroom. Garage entrance via new sliding gate (built 2021), and new (2021) OVERSIZED rear concrete driveway. Huge backyard, new 8ft tall privacy fence (2021). 250 sq. ft. detached guest-house or office, with new mini-split AC & heat (2022). Floors, ceilings, and walls evaluated by engineer owner; many re-supported or leveled during renovation. New roof (2021). Almost all electrical is new (2022). Almost all plumbing is new (2022). New HVAC units (2021).

Investor Tools

$441,847

Estimated Property Value

$594,223Estimated Mortgage Balance

$0Estimated Equity

0% equity

Estimated Cap Rate

View Rate

Estimated ARV (After-Repair Value)

Calculate ARV

Rent-to-Value Ratio: 0.72%

Rent Estimate

$2,934 /month

Positive

Cash Flow Estimate:

$978 /month

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Financing Details

Estimated Taxes & Insurance

HOA Fees

Interest Rate Assumption

$741/month

No HOA

5.947%

Tax Information

Annual Taxes

Assessed Value

Assessment Year

Assessed Land

Assessed Improvement

Market Value

Tax Delinquent

$6,678

$441,847

2025

$76,023

$365,824

$441,847

Tax History

Year

Tax Paid

Assessed Value

2024

$6,678

$441,847

Mortgage Details

Lender

Loan Type

Loan Amount

Assumable

Position

Origination Date

Maturity Date

Amcap Mortgage Ltd

Fha

$492,907

Yes

First

Mar 31, 2023

Apr 2053

Equity Summary

Est. Mortgage Balance

Est. Equity

Equity %

LTV

Est. Monthly Payment

$594,223

N/A

134%

$3,753/mo

Learn About the Market: Opportunity in Texas

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Texas

Living in Texas means access to four of the nation’s most dynamic metro economies — Dallas–Fort Worth’s corporate and logistics powerhouse, Houston’s global energy and medical hub, Austin’s tech-driven and culturally iconic Live Music Capital of the World, and San Antonio’s historic yet steadily expanding military and healthcare center. The state blends economic scale with cultural significance, rooted in independence, entrepreneurship, and a strong sense of place — from Friday night football to world-renowned barbecue and music festivals. For homebuyers, Texas offers comparatively attainable housing, no personal income tax, and master-planned communities built around space and convenience; for investors, continued population growth, business relocation, and diversified industries create sustained demand across urban cores, suburbs, and emerging secondary markets.

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