Homes for Sale/Harris County/Houston/Brooke Smith Second Add
Active MLS #8092251 · 17 days on market

3905 Cotswold Street

Houston, TX 77009
Subdivision  ·  Brooke Smith Second Add
List Price
$319,000
$350/SF · 16.2% above neighborhood median
Beds
2
Baths
1
Sq Ft
912
Built
1924
Lot
5,000 sf
Garage
0-car
County
Harris
Tax Rate
1.93%

Schools

§ 03
District
Elementary MARTINEZ C EL D
Middle MARSHALL MIDDLE A
High NORTHSIDE H S CCMR 81% · Grad 86% B
TEA accountability ratings reflect 2024–25 where available. School attendance zones are subject to district redistricting — confirm directly with the district before making a school-based decision.

Overview

§ 01

Have you heard of LOCATION, LOCATION, LOCATION? This is the definition of that. Beautifully cottage home completely renovated in the heart of Houston. Easy access to the Heights, Midtown and downtown. Recent upgrades include new roof, new plumbing, electrical work, granite countertops, new kitchen appliances, new windows, new AC, new water heater, new wood deck, new gate, new driveway concrete, new fence and more. No HOA and low taxes! Call us today for a private showing!

Features

§ 02

Interior

  • Dishwasher
  • Disposal
  • Microwave
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric

Exterior & lot

  • Subdivision
  • Roof: Composition
  • Foundation: Block
  • Foundation: Pillar Post Pier
  • Electric Gate
  • None

Community

  • Style: Craftsman
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Craftsman, Traditional
Year Built 1924
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 912 sq ft
Living Area Source Appraiser
Building Area Total 912 sq ft
Foundation Block, Pillar Post Pier
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 2
Bathrooms (total) 1
Bathrooms Full 1
Bathrooms Half 0
Rooms Total 2
Fireplaces 0

Interior

Appliances Dishwasher, Disposal, Microwave

Exterior

Pool Private No

Parking & Garage

Garage Spaces 0
Parking Features Electric Gate, None

Lot

Lot Size (sq ft) 5,000
Lot Size (acres) 0.1148
Lot Size Source Appraiser
Lot Features Subdivision

Location

County Harris
MLS Area Major 9
MLS Area Minor Northside
Subdivision Brooke Smith Second Add
Postal Code 77009

Utilities

Heating Central, Electric
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer

Taxes, Terms & Disclosures

Tax Annual Amount $6,163 <small style="color:#6b7280">· from 2025 county roll</small>
Tax Year 2025 (county roll)
Tax Rate (est.) 1.93%
Parcel # 033-104-040-0007
Legal Description LT 7 BLK 40 BROOKE SMITH
Listing Terms Cash, Conventional, FHA, Investor Financing
Lease Considered No

Room Layout

§ 04 · 2 rooms · MLS-supplied

Main level · 2

Primary Bedroom 14X10
Bedroom 12X10

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice
Not in archive
This MUD is not yet in our §49.452 archive. We'll add it on request.

Texas Water Code §49.452 requires districts to publish annual notices with tax rate, bonded indebtedness, and assessed value. Most Harris-area MUDs publish these; a handful managed by Inframark do not.

Request this notice
● What this tells you

The §49.452 notice is the only public document that lists a MUD's exact tax rate, outstanding bond debt, and the assessed value used to compute your taxes — direct from the district, not the MLS. If the district is newer or has more bonds outstanding than its neighbors, your effective tax rate will be higher here than just across the street.

Listing's rolled-up MUD rate — Resolved MUD jurisdiction not mapped Match confidence —

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$2,429
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,915 Property tax$514 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,429

Illustrative only, not a quote. P&I assumes the values entered above. Insurance and HOA dues vary — consult licensed lender and insurance agent for accurate quote.

● Effective tax rate · 3-year history
2.1252%
ALL 8 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
—
→ stable
School
0.88%
→ stable
City
—
→ stable
County
0.38%
→ stable
Other districts
0.87%
→ stable

HOA & Community

§ 05
No HOA on recordIf this is an HOA property, details are not yet loaded. Full cert available on request.

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available · cable ok
Fiber to the Premises
AT&T
5,000 / 5,000 Mbps
● LOW LATENCY
Fiber to the Premises
Xfinity
2,000 / 250 Mbps
● LOW LATENCY
Coaxial Cable
Xfinity
2,000 / 2,000 Mbps
● LOW LATENCY
Licensed Fixed Wireless
Verizon
1,000 / 75 Mbps
● LOW LATENCY
NGSO Satellite
Starlink
280 / 30 Mbps
● LOW LATENCY
Licensed Fixed Wireless
T-Mobile
100 / 20 Mbps
● LOW LATENCY
Licensed Fixed Wireless
AT&T
100 / 20 Mbps
● LOW LATENCY
Copper
AT&T
100 / 20 Mbps
● LOW LATENCY
+ 2 additional provider(s)

Environmental Risk

§ 08
X
FEMA Zone
Zone X · Minimal risk
Outside 100-year and 500-year floodplains. No flood insurance required by lender.
PANEL 48201C SFHA NO SOURCE 48201C_STUDY1
🌡 Heat days >95°F
54 days/yr above 95°F
Plus 8 days above 100°F. NOAA station records, 2016-2025 average.
💨 30-day air quality
AQI 48 · Good
Average daily AQI for the 30 days ending 2026-04-01. EPA AQS county monitors. Higher = worse.
🌵 Drought (current)
D1 · Moderate
US Drought Monitor county reading, week of 2026-10-27.
Sources: FEMA NFHL · NOAA GHCN-Daily · EPA AQS · US Drought Monitor. Climate rollup last computed Nov 4, 2026.

Recent Comparable Sales

§ 09
8 comparable sales nearby · sold median $301/SFAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
Brooke Smith Second Add
TIER: SUBDIVISION
Subdivision name (MLS)Brooke Smith Second Add City · ZIPHouston · 77009 CountyHarris Listings in subdivision5 Active now1 Sold (last 12 mo)0 Curated amenities0
● Year-built distribution
No build-year dataWill populate from the parcel roll.

Fire Protection

§ 11
Nearest station
Houston Fire Department Station 12
Distance
1.1 mi
Straight-line from listing
ISO rating
—
Future data point
Avg. response
—
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48201210500 · ACS 2023
Median HH income
$48,837
ACS 2023
Median home value
$226,900
Census self-report
Owner-occupied
47%
1,783 housing units
Bachelor's+
16%
Adults 25+
Median age
38.4
Population 4,624
Work from home
14%
of commuters
Commute 45min+
1%
of commuters
Below poverty
25.0%
tract-level

Amenities & Nearby Places

§ 13

Active listing — amenities should populate from the go-live pipeline. Click to fetch now if missing.

Location & Neighborhood

§ 13
● This Home
3905 Cotswold Street, Houston, TX 77009
Harris County · 29.79°N, 95.37°W
No curated amenities within 2 mi yet.
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Oct 19, 2026 Listed $319,000 Claudia Oakley
Dec 31, 1923 Built —
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Claudia Oakley · Keller Williams Realty Professionals
Data provided by Houston Realtors Information Service (HAR MLS). Information deemed reliable but not guaranteed. All measurements, square footage, and school assignments should be independently verified. HAR MLS content last updated Oct 20, 2026.
MLS# 8092251 · LIST DATE: Oct 19, 2026 · PARCEL: 033-104-040-0007
R
EHO
REALTOR® · Equal Housing Opportunity
HAR.com Copyright © 2026, Houston Realtors Information Service, Inc. Deemed reliable, not guaranteed — independently verify. HARMLS last updated Nov 5, 2026, 4:13 PM CST. Properties may subsequently be sold or off-market. Equal Housing Opportunity