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Jeannette Spinelli

Broker Associate & Founder | Spinelli Residential Group | KW - Austin Portfolio Real Estate

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639 E Saint Charles Dr , Crosby, TX 77532
$239,900
Est. Payment: $1,230.41/mo
6 Bed
3 Bath
1924 Sqft
Status: active | Days on site: 63
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Jeannette Spinelli, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Jeannette Spinelli
Broker Associate & Founder
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House Description

DUPLEX!! Both sides rented now but could live on one side and use the rent income from the other side to cover your mortgage! Roof replaced in November 2022. HVAC replaced in each unit in 2020 & 2021. Four bedroom fully remodeled just prior to current tenant move-in. Two bedroom remodeled prior to last tenant move-in around 2021. Washer and Dryer connections in Four Bedroom. Duplex is located at the end of long street so little traffic! Own it with far less cash down than a conventional purchase. 100% ownership, rights at 40% purchase price of expected appraised value. Not fractional ownership! You get all the ownership benefits and appreciation at a smaller entry price with Optimized Ownership which has been around for 50 years!! Optimized ownership structure with a low down payment and real flexibility. The list price is your Ownership Interest in the home. The seller holds most of the home's cost, so you don't finance or buy that part. Instead, you pay a monthly fee on it, and you can buy it out anytime at a price set at closing, or never. Sell anytime. Conventional, FHA, VA, and USDA financing accepted. Financing fee: $906 monthly plus your mortgage, if any. Much less than conventional payment on the same home with less cash in. Down payment is set by your mortgage, as little as $0 down. Estimates; final terms set at closing
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Highlights

Listed by Melinda Jackson , (512) 507-2850 BMJ Realty Group , (512) 507-2850. Austin MLS mls logo

Property Type

Residential
Lot/Acreage
0.13

Year Built

1960

County

Harris

Area

Out of Area

 Neighborhood

St Charles Place Sec 01

 School District

Crosby Isd

Listing ID

4536986

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Free-Standing Refrigerator, Gas Range, Range
Floor:Laminate
Other:
  • ▪ Additional:Laminate Counters
Water:Municipal Utility District

Exterior Features

Lot:Cleared,Level,Open Lot
Roof:Asphalt
Others:
  • ▪ Additional:Resale
Sewer:Public Sewer
Parking Features:Driveway
Principal Interest
$1,230
Taxes
$293

Home Price

$239,900

Loan Details

30 yrs
6.637%

Down Payment

20%
$47,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,230.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,230.41 $292.94 $0.00 $1,523.35
Yearly $14,764.90 $3,515.33 $0.00 $18,280.23
Total $442,946.87 $105,459.90 $0.00 $548,406.77

Today's Rates

30 Year

6.64%

20 Year

6.43%

15 Year

5.99%

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Market insight data is pulled from the same city as the listing being viewed (Crosby, TX).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Spinelli Residential Group | KW - Austin Portfolio Real Estate nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Austin MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-09-03T02:23:53.000Z

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