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6422 Peninsula Rd, Kerens, TX, 75144

1beds
1baths
399sqft
$225,000
$564price/sqft
$1,920/moest. monthly cost
$76,800/yrincome needed

About This Home

Tiny home right on the water! Come experience simple living in this charming, lakefront tiny home with breathtaking views of Richland Chambers Lake from your private pier. The home has been thoughtfully updated with new kitchen countertops and an updated bathroom, complete with a walk-in shower. The cozy yet modern floor plan offers plenty of space, including an upstairs loft that can serve as a bedroom or bonus room! With amenities like a public clubhouse, pool, boat ramp, and more, Peninsula Point is one of the few communities that allows vacation rentals. Whether you're looking for a peaceful retreat or an investment opportunity, this home is ready to move in or be rented. Come see it today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
Kerens SchoolGrades PK-129.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Decorative/Designer Lighting Fixtures,Loft,Open Floorplan
  • Flooring: Laminate

Interior Area

  • Total interior livable area: 399 sqft

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 111802

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Front Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront

Lot

  • Lot size: 6,229 sqft
  • Features: Subdivision,Waterfront

Parking

  • Parking features: Gravel,On Site,Open,Outside
  • Has uncovered spaces: Yes

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Ice Storm
Lightning
Strong Wind
Drought
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters Across Texas Counties

Severe 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 $1,137$13,644
Home Insurance *$349$4,188
Property Taxes $196$2,352
Electricity $238$2,859
Total$1,920$23,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,828/yr
40% on housing$57,600/yr
45% on housing$51,200/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.0%
-5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$564This listing

vs Other Active Listings

Avg $/sqft

ZIP 75144$374
Navarro County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 75144$131
Navarro County$145

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
2025-08-26Price change$225,000
2025-05-30Price change$245,000
2025-04-04Price change$255,000
2025-02-12Listed for sale$275,000
2024-09-30Listing removed$280,000
2024-07-24Price change$280,000
2024-07-10Price change$300,000
2024-01-23Listed for sale$320,000

For Sale by Agent

AgentMargarita Madera
BrokeragePremier Realty

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