861 Pine Lane, Cottonwood Shores, TX, 78657
About This Home
BUILDER IS OFFERING $10,000 IN BUYER CONCESSIONS TO BE USED FOR HOME UPGRADES OR CLOSING EXPENSES. New home with split bedroom plan and open concept living/dining/kitchen area. Great kitchen with lots of cabinets and large island. Quartz counters in kitchen and baths, LVP flooring in all rooms with exception of tile in baths. Home has a privacy fenced back yard. Sod and sprinklers in front only. Access to Lake Marble Falls through property owners park just down the street.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Wood Siding,HardiPlank Type
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Washer Hookup,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Pantry,Split Bedroom,Quartz Countertops
- Flooring: Tile,Vinyl
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,350
- Total interior livable area: 1,350 sqft
Property
Details
- Parcel number: 123456
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered
- Fencing: Wood
- Waterfront features: No
Lot
- Lot size: 4,791 sqft
- Lot size dimensions: 50 x 100
Parking
- Total spaces: 2
- Parking features: 2 Car Attached Garage,Garage Door Opener,Front Entry
- 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
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Lightning
- 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 | $1,465 | $17,580 |
| Home Insurance * | $300 | $3,600 |
| Property Taxes | $400 | $4,800 |
| Electricity | $238 | $2,859 |
| Total | $2,403 | $28,836 |
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 |
|---|---|---|
| 2026-05-12 | Price change | $295,000 |
| 2026-03-16 | Listed for sale | $289,900 |
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