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Emerald Bay

NeighborhoodThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Texas
$544K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
6
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$401K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
202020212026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
202020212026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
202020212026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
202020212026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
202020212026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
202020212026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
202120252026

Housing Stock

HomesHow many homes we have records for in this area.601
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$401K
Median sizeThe middle home size here, measured in square feet.2,245 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1982
Single familyThe share of homes here that are single-family houses.99%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.67%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.2.1%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.88%
Company ownedThe share of homes owned by a company or trust instead of a person.15%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.35%
Typical ownership tenureHow long the typical owner here has held their home.8.5 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.4%
PopulationHow many people live in this area.342
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.548 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$84K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96K
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all neighborhoods nationally.

How Emerald Bay compares

By median home value, Emerald Bay is the 9th most expensive of 21 neighborhoods in Smith County, and its typical home is worth more than 78% of all homes in Smith County.

Home values in Emerald Bay

Share of homes at each estimated value.

Median
$201K$1.4M
neighborhoods in Smith County ranked by median home value
#Smith CountyMedian valueHomes
1East Side$807K132
2Hollytree$682K858
3Cascades$595K362
4Cambridge$580K237
5Cumberland Ridge$542K254
6Big Oak Bay$496K108
7The Cumberland Estates$433K311
8The Woods$422K756
9Emerald Bay$401K601
10The Villages$365K320
11Cedar Bay$318K177
12Stoneleigh$317K287
13Azalea District$293K937
14The Highlands$291K349
15Downtown Whitehouse$264K105
16Brick Streets District$230K307
17Charnwood District$209K141
18Downtown Tyler$205K152
19Lakeway Harbor$192K366
20Owentown$185K110
21Butler College$164K378

About the Emerald Bay market

What is the median home price in Emerald Bay, TX?

The median sale price in Emerald Bay, TX is $543,813 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Emerald Bay, TX each year?

6 homes sold in Emerald Bay, TX over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Emerald Bay, TX?

Emerald Bay, TX contains 601 residential properties, with a median of 2,245 square feet, 3 bedrooms, built around 1982. The median TopHap Estimate is $401K.

How does Emerald Bay, TX compare to the rest of Smith County?

By median home value, Emerald Bay, TX is the 9th most expensive of 21 neighborhoods in Smith County. Its typical home is worth more than 78% of all homes in Smith County. The Woods ranks just above it and The Villages just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Emerald Bay, TX?

88% of homes in Emerald Bay, TX are owner-occupied. 15% are held by a company rather than an individual.

How much equity do owners in Emerald Bay, TX hold?

67% of mortgaged homes in Emerald Bay, TX are equity-rich, meaning the loan balance is under half the home's value. 2.1% owe more than the home is worth.

Nearby markets

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Explore Emerald Bay on the map

See every recorded sale, price heat map, school zone and flood overlay across Emerald Bay in TopHap’s interactive 3D map.

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