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1009 Cardinal Cv, Graford, TX, 76449

4beds
5baths
4,025sqft
$3,499,000
$869price/sqft
$24,322/moest. monthly cost
$972,880/yrincome needed

About This Home

Perfectly positioned in the center of Cardinal Cove, this exceptional lakefront property blends modern design with effortless indoor-outdoor living. The open-concept floor plan features soaring ceilings and expansive windows that frame stunning lake views and flood the home with natural light. A dramatic glass slider in the main living area opens to an expansive patio and pool, creating the ultimate space for entertaining and relaxing by the water. With two generous living areas, 4 bedrooms, and 5 baths, the home offers both comfort and functionality. A 3-car garage and recently built dock (within the last two years) complete this incredible lakefront retreat. This property is also being sold fully furnished!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

9/10
6/10
Graford SchoolGrades PK-1212.8 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Built-In Refrigerator,Dishwasher,Gas Cooktop,Disposal,Gas Range,Ice Maker,Microwave,Plumbed For Gas,Tankless Water Heater

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Chandelier,Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,Granite Counters,High Speed Internet,Kitchen Island,Open Floorplan,Smart Home,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Sound
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Propane
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 4,025 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 16371

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Gunite,In Ground,Pool,Pool/Spa Combo
  • Patio & porch: Balcony,Covered
  • Exterior features: Balcony,Fire Pit,Outdoor Grill,Outdoor Kitchen,Rain Gutters
  • Fencing: Metal
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip,Lake Front
  • Waterbody name: Possum Kingdom

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 3
  • Parking features: Additional Parking,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $17,692$212,304
Home Insurance *$2,493$29,916
Property Taxes $3,696$44,352
Electricity $441$5,303
Total$24,322$291,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$833,897/yr
40% on housing$729,660/yr
45% on housing$648,586/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: 4.7%
4.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$869This listing

vs Other Active Listings

Avg $/sqft

ZIP 76449$309
Palo Pinto County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 76449$344
Palo Pinto County$129

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
2026-03-11Listed for sale$3,549,000

For Sale by Agent

AgentMichael Avidon
BrokerageCentury 21 Mike Bowman, Inc.

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