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$714,000

NAL Estimated Property Value

3628 S Fm 1655, Chico, TX, 76431

Off MarketInfo
Beds3 Beds
Baths2 Bath
Baths2,398 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$300.88 / sqft
Year BuiltBuilt in 2018

Property Lead Type:

Off-Market ListAbsentee Owner

Highlights

Interior

Bedrooms 3Bedrooms 3
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
CoolingCooling
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Water Softener
FlooringConcrete, Painted/Stained

Exterior

Exterior FeaturesRV Hookup
Lot Size10.77 acres

Building Information

Year Built2018
Roof Type158
Garage Spaces2

Land Information

APNA0151.0002.04
SubdivisionA-151 J Coughlin
Land UseResidential
Legal DescriptionA-151 J COUGHLIN 10.7670 ACRES
Census Tract150405
Assessment Year2025

About this property

Welcome to your peaceful country retreat! Nestled on 10 beautiful ag-exempt acres just outside of Chico, Texas, this stunning 3-bedroom, 2-bathroom traditional-style home features timeless stone and board-and-batten accents with modern comforts throughout. Conveniently located with quick access to Decatur and major shopping, you’ll enjoy the perfect blend of quiet country living and nearby amenities. Step inside to find an open, airy floor plan with stained concrete floors flowing seamlessly throughout the home. The spacious living room boasts rich stained wood beams and a cozy wood-burning fireplace, creating the ideal space to relax or entertain. The large kitchen is truly a showstopper, featuring stainless steel appliances, granite countertops, a massive island perfect for hosting, and a huge walk-in pantry. The oversized laundry room offers ample space for a full-size washer and dryer, extra refrigerator and freezer, plus built-in cabinets and countertops for added functionality. The private primary suite is a true retreat with a luxurious soaking tub, walk-in shower, dual vanities, and a generous walk-in closet. Two additional bedrooms are tucked away on the opposite side of the home in a desirable split-bedroom layout. A dedicated office just off the living room provides the perfect work-from-home space. Enjoy peaceful country mornings and quiet evenings from the large covered back porch, surrounded by wide-open views and the sounds of nature. Additional features include a water softener, reverse osmosis system, and two hot water heaters. Built in 2019 and currently used as a productive hay field, this property offers a rare combination of modern living and ag-exempt status. Don’t miss your chance to experience everything this beautiful home has to offer—schedule your showing today!

Investor Tools

Property Icon
$714,000
Estimated Property Value
$1,391,436Estimated 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
$4,329 /month
Positive
Cash Flow Estimate:
$1,443 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$608/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$3,728
$629,420
2025
N/A
N/A
$651,949
No

Tax History

Year
Tax Paid
Assessed Value
2024
$3,728
$629,420

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
American National Bank & Trust
Purchase Money Mortgage
$882,731
No
First
Mar 24, 2026
Apr 2027

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$1,391,436
N/A
0%
195%
$8,368/mo

Learn About the Market: Opportunity in Texas

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Explore

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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Population Growth

Population Growth

~1.3% annually

Net Migration

Net Migration

Positive

Median Home Price

Median Home Price

$283,800

Unemployment Rate

Unemployment Rate

4.3%

Price Trend

Price Trend

Flat

New Permits

New Permits

158,121

City: Chico

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3628 S Fm 1655 | Property Details | No Agent List