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172 Private Road 1385, Morgan, TX, 76671

1beds
2baths
936sqft
$363,000
$388price/sqft
$2,722/moest. monthly cost
$108,880/yrincome needed

About This Home

****MOTIVATED SELLERS BRING ALL OFFERS!! SELLERS OFFERING UP TO 10,000 IN CONCESSIONS*** Come explore peaceful country living just 10 minutes from Lake Whitney on this beautiful 10-acre property. The cozy cabin offers the perfect weekend getaway or starter home while you plan and build your dream home or multi-home family compound. The acreage includes barns and a large tent structure, giving you extra storage, workspace, or room for livestock and equipment. With plenty of open space, this land is ideal for a hobby farm, livestock, or even a deer lease. The property has tons of potential—stay in the existing cabin while you design the layout that fits your vision. Enjoy privacy, trees, wildlife, and endless possibilities in a location that’s close to the lake yet perfectly tucked away. Opportunities like this don’t come often!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Morgan SchoolGrades PK-127.9 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: Stacked

Bedrooms & Bathrooms

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

Features

  • Chandelier,Decorative/Designer Lighting Fixtures,Open Floorplan,Walk-In Closet(s)
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 936 sqft

Living Room

  • Level: First
  • Dimensions: 1 x 1

Master Bedroom

  • Level: First
  • Dimensions: 1 x 1

Property

Details

  • Parcel number: R23499

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Cross Fenced

Lot

  • Lot size: 10 Acres
  • Features: Acreage

Parking

  • Parking features: Driveway
  • 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

  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
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 $1,835$22,020
Home Insurance *$475$5,700
Property Taxes $174$2,088
Electricity $238$2,859
Total$2,722$32,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,325/yr
40% on housing$81,660/yr
45% on housing$72,586/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 76671$132
Bosque County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 76671
Bosque County$131

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
2026-04-18Price change$363,000
2026-02-14Price change$365,000
2026-01-28Price change$370,000
2025-12-01Listed for sale$380,000

For Sale by Agent

AgentLacy Brauneck
BrokerageTexas Legacy Realty

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