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1130 Shelley Rd, Karnack, TX, 75661

3beds
2baths
1,040sqft
$490,000
$471price/sqft
$3,350/moest. monthly cost
$134,000/yrincome needed

About This Home

Riverfront vacation rental opportunity on Caddo Lake Welcome to The Lily Pad, a beautifully maintained riverfront retreat nestled along the scenic Big Cypress River at Caddo Lake. This fully furnished, turn-key vacation rental has become a favorite destination for guests seeking relaxation, fishing, kayaking, wildlife, and unforgettable sunsets. Designed for comfort and entertaining, the home features inviting living spaces, a well-equipped kitchen, three cozy bedrooms and two bathrooms. The bedrooms feature a luxury king suite, a relaxing queen suite and a bunk room. The master bathroom has a full soaking tub and rain shower to help you escape the hustle and bustle. The Lily Pad's outdoor areas truly showcase the beauty of riverfront living. Whether you're enjoying coffee on the deck, gathering around the fire pit, launching a kayak from the property's waterfront, or simply watching the wildlife pass by, every day feels like a getaway. Located just minutes from Caddo Lake State Park and the area's famous cypress forests, this property offers easy access to boating with the boat ramp less than a mile away, fishing, paddling, birdwatching, and countless outdoor adventures while still providing the peace and privacy guests love. For buyers looking for an investment, The Lily Pad has operated as a successful short-term vacation rental and is ready for its next owner to continue its legacy or enjoy it as a private family retreat. The sale includes the furnishings, allowing for a seamless transition. Whether you're searching for a weekend escape, a waterfront residence, or an income-producing property, The Lily Pad offers a rare opportunity to own a piece of East Texas paradise. Additional photos, amenities, guest information, and local attractions can be viewed at www.frontlinecabins.com

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Elec Range/Oven,Microwave,Dishwasher,Refrigerator,Washer,Dryer,Ice Maker,Electric Water Heater
  • Laundry features: Laundry Closet

Bathroom

  • Features: Shower and Tub,Granite Counters

Bedroom

  • Features: Master Bedroom Split

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Granite Counters,Ceiling Fans,Breakfast Bar
  • Window features: Shades/Blinds,Blinds
  • Flooring: Vinyl
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Electric

Interior Area

  • Total interior livable area: 1,040 sqft

Property

Details

  • Parcel number: 10099975
  • Exclusions: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch,Deck
  • Exterior features: Outdoor Grill
  • Fencing: None
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake
  • Topography of land: Level
  • Residential vegetation: Partially Wooded
  • Living area range: 1000-1500

Lot

  • Lot size: 0.50 Acres
  • Features: Bahia Grass,Clay,In Flood Plain
  • Lot size dimensions: 92x275

Parking

  • Total spaces: 3
  • Parking features: Carport,None,Attached,Gravel,Shared Driveway
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: 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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $2,477$29,724
Home Insurance *$487$5,844
Property Taxes $148$1,776
Electricity $238$2,859
Total$3,350$40,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,857/yr
40% on housing$100,500/yr
45% on housing$89,333/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.8%
-5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$471This listing

vs Other Active Listings

Avg $/sqft

ZIP 75661$107
Harrison County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 75661$131
Harrison County$154

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
2026-08-03Listed for sale$490,000
2022-09-30Sold--
2022-06-17Pending sale$989,450
2022-06-14Listed for sale$989,450

For Sale by Agent

AgentLinna Sutton
BrokerageSugar Magnolia Properties

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