619 N Penelope Street

Belton, TX 76513

$495,000

6 beds
3 baths
3,811 sq ft
0.52 acres
Built 1960

Listed by Covington Real Estate, Inc. · MLS #629377

Listing status & updates

MLS last changed: Not supplied by this listing source
Availability last checked: No per-listing check is recorded

Source changes and availability checks are different. A website import or photo check does not confirm that a property is still available. Confirm availability with the listing agent. Ask about the listing status

619 N Penelope Street, Belton, TX 76513 — photo 1

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619 N Penelope Street, Belton, TX 76513 · MLS #629377

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A FEW THINGS TO NOTICE

What stands out.

Living spaces

The main home was built in 1960 using ironwood (true 2x4s & 2x6s) from the Victorian home that was originally sitting on this piece of land.

Details worth a look

The backyard is a little slice of heaven with mature pecan trees, multiple fruit trees, raised-bed garden area, fire pit, open deck, large patio....this backyard oasis is meant to be enjoyed by lots of family & friends!

Year built

Built in 1960.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

This property has been in the family for FIVE generations...LOTS & LOTS of love has been put into this home!! The main home was built in 1960 using ironwood (true 2x4s & 2x6s) from the Victorian home that was originally sitting on this piece of land. The detached mother-in-law home was built in 2020 and is fully ADU compliant. The main home is approximately 2800sqft with 4 large bedrooms, 2 full bathrooms (storage area in the 4th bedroom is plumbed and ready for a full 3rd bathroom if desired) updated kitchen, spacious family room, sunroom, large formal dining, & a study. The detached home is approximately 1000sqft with an open-living design, 2 large bedrooms, bathroom & a fully equipped kitchen that is completely wheelchair accessible. The backyard is a little slice of heaven with mature pecan trees, multiple fruit trees, raised-bed garden area, fire pit, open deck, large patio....this backyard oasis is meant to be enjoyed by lots of family & friends! RV hookups are located in the parking area of the secondary home

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THE NEIGHBORHOOD

Explore the location.

619 N Penelope Street, Belton, TX 76513

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LOCAL MARKET CONTEXT

Bell County housing market

See the broader conditions surrounding this property through ERA Brokers Consolidated research.

12-month price trend$278,251Up 0.9% vs. the previous 12 months

Months of supply6.112-month average

Days on market11412-month weighted average

Latest available data: October 2026. Research by ERA Brokers Consolidated.

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These figures describe the broader reporting area and do not determine this property’s value, condition, availability, or likely sale price.

THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 1960
Full baths: 3
Half baths: 0
Garage spaces: 0
Cooling: CentralAir,Electric,TwoUnits
Heating: Central,Electric,MultipleHeatingUnits,NaturalGas
Appliances: DoubleOven,Dishwasher,ElectricRange,GasCooktop,Disposal,GasWaterHeater,MultipleWaterHeaters,SomeElectricAppliances,SomeGasAppliances,BuiltInOven,Cooktop,Microwave,Range
Flooring: Carpet,Tile,Wood,CarpetFree
Utilities: NaturalGasAvailable,HighSpeedInternetAvailable,TrashCollectionPublic
Exterior: Deck,FirePit,HandicapAccessible,Patio,PrivateYard,RainGutters,Storage
Fencing: BackYard,Privacy,WroughtIron
Accessibility: AccessibleElectricalAndEnvironmentalControls,GrabBars,AccessibleKitchen,LevelLot,LowThresholdShower,AccessibleDoors,WheelchairAccess
Pool features: None
Spa: No
Subdivision: Alexanders Add
Parcel: 10842

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

Investor outlook Rental potential, ownership costs and property management

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase—

Estimated monthly rent$2,062.50

Cap rate—

Annual operating income: —

HOA: No HOA cost is included because the listing source does not report one. Confirm whether HOA dues apply before relying on this estimate.

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Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

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Listing information

MLS #629377 · Central Texas MLS

Listing brokerage: Covington Real Estate, Inc.
Listing agent: Sonya White

Listing status: Active. MLS last changed: not supplied. Availability last checked: not recorded. Confirm current availability and price with the listing agent.