1320 Villa Bay Drive

Tool, TX
$ 260,000 Beds 2 Baths 2 Sq 1,372 Virtual Tour
Monthly Estimate* How much can I afford?

Motivated Seller - BACK FROM PENDING: Buyer lost his cash partner! Bring All Offers! Priced Below Tax Value! Unique opportunity for price-conscientious buyers to own a Cedar Creek Lake waterfront property with 88 platted waterfront feet on good water in a good neighborhood with no manufactured homes AND with lots of potential. It has two bedrooms and two baths with an enclosed patio which could be converted to an additional bedroom or used as a second living area. This 'fixer upper' is in need of updating and has some deferred maintenance but is currently occupied. Take a look at this property - it won't last long!

Active

  • Price
  • $ 260,000
  • City
  • Tool
  • Bedrooms
  • 2
  • Full Bathrooms
  • 2
  • County
  • HENDERSON
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.284 Acres
  • Zip
  • 75143
  • Sqr Footage
  • 1,372
  • Year Built
  • 1980
  • Taxes
  • $ 5265
  • Style
  • Traditional
  • MLS#
  • 21135846
Listed By: Ebby Halliday Realtors
Data Source: North Texas Real Estate Info Systems (NTREIS)

Features

General

Heating Central
Cooling Central Air
Utilities Co-op Electric,Concrete,Electricity Connected,Individual Water Meter,MUD Sewer,MUD Water,Phone Available
Possession Closing/Funding
Roof Composition
Appliances Dishwasher,Disposal,Electric Oven,Electric Range,Electric Water Heater,Vented Exhaust Fan
Assoc Fees 60
Restrictions Building,Deed
School District Malakoff ISD
HOA Fee Includes Full Use of Facilities
Year Built 1980
Architectural Style Traditional
Levels One
Unexempt Taxes 5265
Will Subdivide No
Property Subtype Single Family Residence
Subdivision Name Villa Bay Sub
Transaction Type For Sale
Carport Spaces 1
County Henderson
Property Type Residential
Construction Materials Vinyl Siding
Association Fee Frequency Annually
HOA Type Mandatory
Full Baths 2
Status Active
Directions From Seven Points,TX take SH 274 south to Kontiki (Paradise Bay entrance),take Kalura left to Owhyhe,take Owhyhe right to Bora Bora,take Bora Bora left to property on left
City Tool
Elementary School Name Tool
High School Malakoff
Elementary School Tool
Virtual Tour URL Unbranded https://www.propertypanorama.com/instaview/ntreis/21135846
Standard Status Active
Listing Terms Cash,Conventional

Interior Features

Interior Features High Speed Internet Available,Open Floorplan
Flooring Carpet,Vinyl
Fireplace Features Stone,Wood Burning
Fireplaces Total 1
Dining Areas 1
Living Areas 2
Room Count 2
Lock Box Type SentriLock
Total Bedrooms 2
Total Baths 2

Exterior Features

Waterfront Yes
Exterior Features Boat Slip,Covered Deck
Lot Features Few Trees,Sloped,Subdivision,Water/Lake View,Waterfront
Fencing Chain Link
Parking Features Concrete,Driveway
WaterFront Features Lake Front – Main Body,Retaining Wall – Steel,Water Board Authority – Private
Lot Size Less Than .5 Acre (not Zero)
Covered Spaces 1
Foundation Slab
Lot Size Area 0.2840
Lot Size Units Acres
Structural Style Lake House,Resort Property,Single Detached,Vacation Home
Lot Size Square Feet 12371.0400
Lot Size Acres 0.2840
Patio And Porch Features Covered,Deck

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Waco, TX office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Tool Elementary School
Middle School Unknown Middle School
High School

Price History

12/23/2025 Listed $330,000
1/14/2026 10% - $299,000
8/24/2026 14% - $260,000

Property vs Zip Code Average in 75143

Price
AVG $640K
$260K
Taxes
AVG $6,311
$5,265
Year Built
AVG 1997
1980
Visits
AVG 213
525
Data Provided by Inside Real Estate®

Areas That We Cover

1320 Villa Bay Drive Tool, TX is a Single Family Home for sale at $260000 with 1372 sqft and a lot size of 0.284 Acres Acre(s). 1320 Villa Bay Drive Tool has 2 bedrooms, 2 baths and was built in 1980. The property's zip code is 75143 which is in Tool, TX

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Your Agent
Tiffanie L. Montgomery

Tiffanie L. Montgomery

254-235-5015

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