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474 Private Road 4311, White Oak, TX, 75693

--beds
--baths
--sqft
$2,400,000
--price/sqft
$17,538/moest. monthly cost
$701,520/yrincome needed

About This Home

Discover 185± acres in Gregg County offering a rare combination of privacy, waterfront living, and accessibility. This exceptional East Texas property features over 1,500 feet of shoreline along Merrill Lake and more than 1,400 feet of paved road frontage on Merrill Lake Road, providing both seclusion and convenient access. At the heart of the property sits an impressive brick residence with approximately 4,700± square feet of living space. The home includes three bedrooms, two full baths, two half baths, an enclosed porch for year-round enjoyment, a dedicated game room, and a large office or trophy room ideal for work, hobbies, or displaying collections. Just outside, a private swimming pool offers the perfect setting to relax or entertain after a day on the land. The acreage is a beautiful blend of approximately 80% mature woods and 20% open meadows, creating a diverse landscape and excellent wildlife habitat. Deer, hogs, and turkey are abundant throughout the property, making it well-suited for hunting or enjoying the natural surroundings. Merrill Lake provides excellent fishing opportunities, with species including bass, white perch, catfish, and gar, offering year-round recreational appeal for anglers and outdoor enthusiasts. Whether you’re searching for a waterfront estate, a recreational getaway, or a long-term investment in East Texas land, this property offers a unique combination of size, access, and lifestyle potential. Merrill Lake is believed to be a navigable body of water. Ownership extends to the applicable boundary line; buyer to verify all matters related to shoreline, access, and use.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

8/10
9/10
White Oak Middle SchoolGrades 6-83.3 mi
7/10
White Oak High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Resale

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Farm,Single Family Residence

Interior

Appliances

  • Appliances included: Other,See Remarks,Built-In Oven
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Features

  • Built-in Features,Breakfast Bar,Custom Cabinets,Eat-in Kitchen,Kitchen Island,Kitchen/Family Room Combo,Kitchen/Dining Combo,Other,See Remarks
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Property

Details

  • Parcel number: 87818

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Private
  • Exterior features: Other,Rain Gutters,Storage,See Remarks
  • Fencing: Other,See Remarks
  • Has view: Yes
  • View description: Other,Panoramic,River,Trees/Woods,Water,Pool
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: Other
  • Waterbody name: Guadalupe River,Panoramic,River,Water Access,Water
  • Residential vegetation: Heavily Wooded

Lot

  • Lot size: 185 Acres

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Cold Wave
Hail
Heat Wave
Lightning
Strong Wind
Winter Weather
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $12,135$145,620
Home Insurance *$1,832$21,984
Property Taxes $3,333$39,996
Electricity $238$2,859
Total$17,538$210,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$601,302/yr
40% on housing$526,140/yr
45% on housing$467,680/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 75693$124
Gregg County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 75693$147
Gregg County$127

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-12-19Listed for sale$2,400,000

For Sale by Agent

AgentMatthew Thigpen
BrokerageColdwell Banker Realty

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