303 Whispering Oaks Trail

Payne Springs, TX
$ 190,000 Beds 4 Baths 2 Sq 1,618 Virtual Tour
Monthly Estimate* How much can I afford?

Nestled in a sought-after waterfront neighborhood, this cozy 4-bedroom, 2-bathroom home sits on two oversized lots, offering a massive backyard found near Cedar Creek Lake. While the home needs some TLC, it is packed with high-value features, including a large kitchen island perfect for entertaining and a primary suite featuring a modern walk-in shower. Outside, you’ll find a 2-car bay detached garage and an additional storage building, providing plenty of room for vehicles, tools, and lake toys. Best of all, you’re just moments away from the water with convenient access to the community boat ramp. Whether you’re looking for a primary residence or a weekend getaway to flip and customize, this property offers incredible bones and even better location.

Active

  • Price
  • $ 190,000
  • City
  • Payne Springs
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • HENDERSON
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.377 Acres
  • Zip
  • 75156
  • Sqr Footage
  • 1,618
  • Year Built
  • 1960
  • Style
  • MLS#
  • 21232447
Listed By: McAtee Realty Of Gun Barrel TX
Data Source: North Texas Real Estate Info Systems (NTREIS)

Features

General

Heating Central,Electric
Cooling Ceiling Fan(s),Central Air
Utilities MUD Sewer,MUD Water
Possession Negotiable
Roof Composition
Appliances Electric Range
Easements Utilities
Assoc Fees 100
Number of Garage Spaces 2
Restrictions Deed
School District Mabank ISD
HOA Fee Includes Full Use of Facilities
Year Built 1960
Architectural Style Other
Community Features Boat Ramp
Levels Two
Will Subdivide No
Property Subtype Single Family Residence
Subdivision Name Southwood Shores
Transaction Type For Sale
Occupant Type Owner
County Henderson
Property Type Residential
Construction Materials Frame,Wood
Association Fee Frequency Annually
Year Built Details Preowned
Accessory Unit Type Other
Accessory Unit Y/N Yes
HOA Type Mandatory
Special Notes Deed Restrictions
Full Baths 2
Status Active
Directions Use GPS.
City Payne Springs
Elementary School Name Mabank
High School Mabank
Elementary School Mabank
Virtual Tour URL Unbranded https://www.propertypanorama.com/instaview/ntreis/21232447
Standard Status Active
Junior High School Mabank
Listing Terms Cash,Conventional

Interior Features

Interior Features Eat-in Kitchen,Kitchen Island
Flooring Carpet,Laminate,Other
Dining Areas 1
Living Areas 1
Room Count 4
Lock Box Type SentriLock
Total Bedrooms 4
Total Baths 2
Laundry Features Full Size W/D Area

Exterior Features

Lot Features Few Trees,Interior Lot,Landscaped,Other
Fencing Chain Link
Other Structures Storage
Lot Size Source Public Records
Parking Features On Site
Lot Size Less Than .5 Acre (not Zero)
Covered Spaces 2
Foundation Slab
Lot Size Area 0.3770
Lot Size Dimensions 97x189x130x55
Lot Size Units Acres
Structural Style Single Detached
Garage Y/N Yes
Lot Size Square Feet 16422.1200
Lot Size Acres 0.3770
Patio And Porch Features Front Porch

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 Mabank Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

4/8/2026 Listed $195,000
6/27/2026 3% - $190,000

Property vs Zip Code Average in 75156

Price
AVG $590K
$190K
Year Built
AVG 2001
1960
Visits
AVG 221
352
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

303 Whispering Oaks Trail Payne Springs, TX is a Single Family Home for sale at $190000 with 1618 sqft and a lot size of 0.377 Acres Acre(s). 303 Whispering Oaks Trail Payne Springs has 4 bedrooms, 2 baths and was built in 1960. The property's zip code is 75156 which is in Payne Springs, 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.

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