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105 Hilltop Dr, Trinidad, TX, 75163

6beds
8baths
3,160sqft
$765,000
$242price/sqft
$5,879/moest. monthly cost
$235,160/yrincome needed

About This Home

MOTIVATED SELLER WILL LOOK AT ALL OFFERS! This stunning lakefront home is a true masterpiece, offering a seamless blend of luxury and comfort. Featuring 6 spacious bedrooms, 6 full bathrooms, and 2 half baths, every inch of this property has been thoughtfully designed with custom finishes and attention to detail. From the elegant luxury vinyl plank flooring to the refined ceramic tile, the home exudes both style and functionality. Enjoy waterfront views of the tranquil cove from nearly every room, with each bedroom complete with its own private ensuite bath. The open concept kitchen is perfect for casual dining, with a large island and adjacent dining area. The expansive downstairs living space offers plenty of room for relaxation, while the upper level features an additional living area, a fun filled bunkroom, and a balcony overlooking the lake. Designed with entertaining in mind, this home includes a covered patio, an outdoor spa, and a shared boathouse with a party deck and boat slip ideal for making the most of lakeside living. Whether you're hosting guests or enjoying peaceful moments by the water, this property offers an unparalleled living experience. Seller currently operates as short term rental. Seller owns home at 103 Hilltop which is also available for purchase as well as the adjacent lot and would be open to selling the 2 homes together or the home(s) and the lot together. Contact agent for details.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Tool Elementary SchoolGrades PK-44.6 mi
5/10
Malakoff Middle SchoolGrades 7-85.8 mi
6/10
Malakoff High SchoolGrades 9-126.1 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Other,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 8
  • Full bathrooms: 6
  • 1/2 bathrooms: 2

Dining Room

  • Level: First
  • Dimensions: 0 x 0

Features

  • Decorative/Designer Lighting Fixtures,Eat-in Kitchen,Granite Counters,Kitchen Island,Open Floorplan
  • Flooring: Ceramic Tile,Luxury Vinyl Plank,Other
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room,See Remarks,Insert
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,160 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Living Room

  • Features: Fireplace
  • Level: Second
  • Dimensions: 0 x 0

Master Bathroom

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 44020000034060

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Deck
  • Exterior features: Boat Slip,Deck,Dock
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • On waterfront: Yes
  • Waterfront features: Canal Access,Lake Front,Waterfront
  • Waterbody name: Cedar Creek

Lot

  • Lot size: 8,755 sqft
  • Features: Waterfront,Retaining Wall

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage,See Remarks
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    Cold WaveVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Severe Storm
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 $3,868$46,416
Home Insurance *$783$9,396
Property Taxes $882$10,584
Electricity $346$4,163
Total$5,879$70,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,565/yr
40% on housing$176,370/yr
45% on housing$156,773/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 75163$269
Henderson County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 75163$177
Henderson County$172

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
2026-08-13Price change$730,000
2026-05-19Listed for sale$765,000
2026-04-20Listing removed$14,786
2026-04-18Listed for rent$14,786
2026-02-20Listing removed$899,999
2025-10-18Listed for sale$899,999
2025-10-14Listing removed$949,000
2025-06-19Price change$949,000
2025-04-16Listed for sale$1,049,000
2021-12-24Listing removed--
2021-06-25Listed for sale$125,000

For Sale by Agent

AgentDebbie French
BrokerageEbby Halliday Realtors

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