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3958 Ranch Rd, Whitesboro, TX, 76273

1beds
1baths
408sqft
$475,000
$1,164price/sqft
$3,414/moest. monthly cost
$136,560/yrincome needed

About This Home

Escape to the peaceful beauty of the Lake Texoma area with this charming weekend retreat nestled on 10 wooded acres. The property features a cozy tiny cabin, two storage sheds, and stunning natural surroundings with two creeks winding through the land. Built in 2019, this thoughtfully designed 1 bedroom, 1 bath cabin offers the perfect blend of rustic charm and modern comfort. Inside you'll find an inviting living area, a beautifully tiled bathroom, and a stylish kitchen featuring granite countertops, beautiful backsplash, and ample cabinetry for storage and functionality. Enjoy abundant wildlife and scenic views from your covered front porch or unwind under the stars around the fire pit area. With electric, septic, well-maintained roads, and excellent drive-up appeal, this unique property is a rare opportunity to own your own secluded retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

--
Hayes Primary SchoolGrades PK-29.1 mi
6/10
Whitesboro Middle SchoolGrades 6-89.1 mi
5/10
Whitesboro High SchoolGrades 9-129.3 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary/Modern,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Microwave,Refrigerator
  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Built-in Features,Wired for Sound
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total interior livable area: 408 sqft

Kitchen

  • Features: Breakfast Bar,Built-in Features,Ceiling Fan(s),Granite Counters
  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Features: Built-in Features,Ceiling Fan(s)
  • Level: First
  • Dimensions: 0 x 0

Other

  • Features: Built-in Features,Granite Counters
  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 111512

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Deck
  • Exterior features: Deck,Fire Pit,Rain Gutters
  • Fencing: Barbed Wire

Lot

  • Lot size: 9.99 Acres
  • Features: Acreage,Many Trees

Parking

  • Total spaces: 1
  • Parking features: Carport,No Garage
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
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 $2,401$28,812
Home Insurance *$423$5,076
Property Taxes $352$4,224
Electricity $238$2,859
Total$3,414$40,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,051/yr
40% on housing$102,420/yr
45% on housing$91,040/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: 4.0%
4.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,164This listing

vs Other Active Listings

Avg $/sqft

ZIP 76273$476
Grayson County$174

vs Homes Sold Last Month

Median $/sqft

ZIP 76273$193
Grayson County$164

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
2026-07-17Price change$475,000
2026-06-26Price change$485,000
2026-06-17Price change$490,000
2026-06-05Price change$499,900
2026-05-17Listed for sale$525,000
2024-05-22Sold--
2024-05-07Pending sale$495,000
2024-04-09Contingent$495,000
2024-01-20Listed for sale$495,000

For Sale by Agent

AgentLainie Ramsey
BrokerageHBL, Realtors

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