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4170 Palo Pinto Creek Cir, Tyler, TX, 75703

5beds
4baths
2,837sqft
$599,900
$211price/sqft
$4,356/moest. monthly cost
$174,240/yrincome needed

About This Home

Beautiful home in the desirable Oak Creek community in South Tyler! This spacious home offers approximately 2,837 square feet with an open floor plan featuring a split primary suite and three additional bedrooms on the main level, plus another bedroom and full bath upstairs. The kitchen is well-appointed with a large island, gas cooktop, electric double ovens, pantry, breakfast bar, and breakfast area, opening to the family room with a gas log fireplace—perfect for everyday living and entertaining. The home also offers plenty of built-in cabinets throughout, along with a utility closet and a spacious utility room with additional storage. Upstairs you’ll also find a large game room offering flexible space for a media room, playroom, or second living area. Additional features include wood and tile flooring, a tankless gas water heater, covered patio, wood privacy fence, and a front-entry two-car garage. Residents enjoy neighborhood amenities including a community pool, tennis courts, and common areas, all conveniently located near shopping, dining, and medical facilities in South Tyler. Schedule your showing today!

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
6/10
Tyler Legacy High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick and Stone,Concrete Based Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Double Oven,Electric Oven,Gas Cooktop,Tankless Gas Water Heater

Bathroom

  • Features: Shower and Tub,Shower/Tub,Separate Lavatories,Separate Water Closet,Walk-In Closet(s),Bar

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Pantry,Kitchen Island
  • Window features: Blinds
  • Flooring: Wood,Tile
  • Fireplace features: Gas Log,Stone
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Gas
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 2,837
  • Total interior livable area: 2,837 sqft

Kitchen

  • Features: Breakfast Room,Breakfast Bar

Master Bedroom

  • Features: Master Bedroom Split
  • Level: Main

Property

Details

  • Parcel number: 150000114505242000
  • Special condition: Homeowner's Assn Dues

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio Covered,Porch
  • Fencing: Wood

Lot

  • Lot size: 7,143 sqft
  • Features: Subdivision Lot,Rectangular Lot
  • Lot size dimensions: 110 x 65

Parking

  • Total spaces: 2
  • Parking features: Door w/Opener w/Controls,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
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 $3,033$36,396
Home Insurance *$433$5,196
Property Taxes $579$6,948
Electricity $311$3,738
Total$4,356$52,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,348/yr
40% on housing$130,680/yr
45% on housing$116,160/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$211This listing

vs Other Active Listings

Avg $/sqft

ZIP 75703$207
Smith County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 75703$172
Smith County$171

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
2026-03-31Price change$599,900
2026-03-13Listed for sale$630,000
2024-09-20Sold--
2024-08-26Pending sale$549,900
2024-08-14Contingent$549,900
2024-08-14Pending sale$549,900
2024-07-25Price change$549,900
2024-05-17Listed for sale$558,000
2024-05-15Listing removed--
2024-04-18Price change$562,500
2024-01-26Price change$565,000
2023-11-16Listed for sale$575,000
2023-08-21Sold--
2023-06-16Contingent$569,900
2023-05-26Listed for sale$569,900
2023-05-24Listing removed--
2023-04-03Price change$549,900
2022-11-16Price change$539,900
2022-10-25Listed for sale$550,000
2022-07-30Listing removed--
2022-04-28Price change$534,900
2022-04-13Listed for sale$524,900

For Sale by Agent

AgentDawn McLarry
BrokerageMcLarry Property Group

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