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429 Winter Rose Ter, Ada, OK, 74820

4beds
4baths
3,647sqft
$571,000
$157price/sqft
$4,146/moest. monthly cost
$165,840/yrincome needed

About This Home

Experience refined waterfront living in this exceptional 4-bedroom, 3½-bath custom home, thoughtfully designed to capture breathtaking water views from nearly every angle. Located in the highly desirable **Byng School District**, this stunning home blends timeless elegance with modern comfort, offering the perfect balance of luxury, privacy, and effortless entertaining. The spacious primary suite is a true retreat, featuring private access to the covered patio where tranquil mornings begin with panoramic water views and peaceful surroundings. A generously sized executive office on the main level provides the ideal space for working from home or managing life's daily demands. Upstairs, a private guest suite with its own full bath is complemented by an expansive bonus room, offering endless possibilities as a media room, game room, second living area, or private retreat for family and guests. Step outside and discover the lifestyle you've been dreaming of. The covered patio flows seamlessly to an inviting outdoor living space featuring a fire pit overlooking the water—an idyllic setting for entertaining guests, relaxing with family, or simply enjoying the peaceful beauty of the surroundings. The nearby dock offers a front-row seat to the tranquil waterfront and creates the perfect spot to cast a line or unwind at the water's edge. Whether you're hosting unforgettable gatherings or savoring quiet evenings by the fire, this exceptional property offers a rare opportunity to enjoy luxury, comfort, and spectacular waterfront views in one of the area's most sought-after school districts.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
Byng Elementary SchoolGrades 4-61.3 mi
6/10
Byng Junior High SchoolGrades 7-91.3 mi
7/10
Byng High SchoolGrades 10-121.3 mi

Construction

Condition

  • Year built: 2011

Materials

  • Foundation: Slab
  • Roof: Asphalt,Fiberglass
  • Construction materials: Brick Veneer,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dishwasher,Gas Water Heater,Microwave,Oven,Range,Water Softener
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Granite Counters,High Ceilings,High Speed Internet,Ceiling Fan(s),Electric Oven Connection,Gas Range Connection
  • Window features: Vinyl
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Blower Fan,Gas Log,Outside
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,2 Units

Interior Area

  • Total structure area: 3,647
  • Total interior livable area: 3,647 sqft

Property

Details

  • Parcel number: 085700003018000000
  • Exclusions: Refrigerator,washer,dryer,blinds in playroom,chair in playroom,curtains.

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Fire Pit,Rain Gutters
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip,Water Access
  • Waterbody name: Other
  • Topography of land: Sloping

Lot

  • Lot size: 2.13 Acres
  • Features: Pond on Lot,Sloped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Tornado
Cold Wave
Hail
Heat Wave
Strong Wind
Wildfire
Winter Weather
Drought

FEMA Declared Disasters in Pontotoc County and Oklahoma

Flood
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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 $2,887$34,644
Home Insurance $703$8,436
Property Taxes $285$3,420
Electricity $271$3,255
Total$4,146$49,752

Income You'd Need if You Spent...

35% on housing$142,148/yr
40% on housing$124,380/yr
45% on housing$110,560/yr

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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 74820$120
Pontotoc County$147

vs Homes Sold Last Month

Median $/sqft

ZIP 74820$133
Pontotoc County$137

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)

Price History

DateEventPrice
2026-07-29Listed for sale$571,000
2026-07-27Listing removed$572,000
2026-07-02Price change$572,000
2026-06-05Price change$589,000
2026-05-21Price change$599,000
2026-03-26Pending sale$589,000
2026-02-27Price change$589,000
2025-11-06Price change$599,000
2025-09-24Listed for sale$615,000
2021-07-12Sold$440,000
2018-06-08Sold$350,000
2018-05-15Pending sale$360,000
2018-05-10Listed for sale$360,000
2017-10-19Listing removed$374,900
2017-06-28Listed for sale$374,900
2017-05-22Listing removed$368,900
2017-05-08Price change$368,900
2017-03-29Price change$378,900
2017-02-24Listed for sale$384,900

For Sale by Agent

AgentJunior Vargas
BrokerageGray Real Estate Elite, Inc.

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