108 Private Road 127, Whitney, TX, 76692
About This Home
This property is USDA eligible, offering a potential zero-down financing option for qualified buyers. Enjoy modern lake living less than one mile from McCown Valley Park and Lake Whitney. Built in 2024, this move-in-ready 3-bedroom, 3-bath barndominium offers 1,750 square feet of flexible living space, central heating and air, and no HOA. The two-story layout includes a second primary bedroom, making it well suited for guests, multigenerational living, or anyone seeking additional privacy. Inside, the bright interior features luxury vinyl plank and tile flooring, recessed lighting, ceiling fans, and contemporary black accents. The spacious kitchen offers white shaker-style cabinetry, dark countertops, a subway tile backsplash, stainless-steel appliances, and generous space for cooking and entertaining. All appliances convey. Outside, the expansive covered concrete area provides convenient parking for vehicles, a boat, or lake equipment. The fenced backyard features mature shade trees, a dog run, brick patio area, and a detached storage building with electricity—ideal for a workshop, hobby space, or secure storage. With its low-maintenance metal exterior, modern finishes, flexible floor plan, and convenient access to boating, fishing, camping, and recreation, this property is ready to serve as a full-time residence or Lake Whitney getaway.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Metal Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Barndominium,Detached
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Electric Water Heater,Ice Maker,Refrigerator
- Laundry features: Washer Hookup,Dryer Hookup,ElectricDryer Hookup,Laundry in Utility Room
Bedroom
- Level: First
- Dimensions: 10 x 10
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Features
- Eat-in Kitchen,High Speed Internet,Multiple Master Suites,Pantry
- Window features: Window Coverings
- Flooring: Luxury Vinyl Plank,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total interior livable area: 1,750 sqft
Living Room
- Level: First
- Dimensions: 10 x 10
Master Bathroom
- Level: First
- Dimensions: 10 x 8
Master Bedroom
- Level: First
- Dimensions: 10 x 8
Master Bedroom
- Level: First
- Dimensions: 10 x 8
Other
- Level: First
- Dimensions: 10 x 8
Other
- Level: First
- Dimensions: 10 x 8
Property
Details
- Parcel number: 126216
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Covered
- Exterior features: Dog Run
- Fencing: Back Yard,Chain Link,Fenced,Wood
- Waterbody name: Whitney
- Residential vegetation: Grassed
Lot
- Lot size: 3,746 sqft
- Features: Cleared,Landscaped
Parking
- Total spaces: 2
- Parking features: Attached Carport,Covered,Parking Pad
- Covered spaces: 2
- Carport: Yes
- Carport 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
- Cold Wave
- Tornado
- Lightning
- Hail
- Heat Wave
- Ice Storm
- Strong Wind
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,010 | $12,120 |
| Home Insurance * | $142 | $1,704 |
| Property Taxes | $109 | $1,308 |
| Electricity | $238 | $2,859 |
| Total | $1,499 | $17,988 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-01 | Listed for sale | $199,900 |
| 2026-05-08 | Sold | -- |
| 2026-03-18 | Pending sale | $112,200 |
| 2026-03-05 | Price change | $112,200 |
| 2026-01-27 | Listed for sale | $132,000 |
| 2024-05-21 | Sold | -- |
| 2024-02-29 | Pending sale | $209,999 |
| 2024-01-24 | Price change | $209,999 |
| 2023-11-20 | Price change | $219,000 |
| 2023-11-06 | Price change | $239,000 |
| 2023-09-20 | Listed for sale | $249,000 |
For Sale by Agent
View on Zillow