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107 Oak Creek Ln, Red Oak, TX, 75154

6beds
4baths
3,564sqft
$669,800
$188price/sqft
$4,544/moest. monthly cost
$181,760/yrincome needed

About This Home

Welcome Home to your private oasis at 107 Oak Creek, nestled in the highly sought-after community of Ovilla, Texas. This exceptional 6 Bedroom, 4 Bathroom Ranch-Style Estate sits on a 2.5 ACs Seasonal Creek Side Home near the end of a quiet, dead-end street. This Well-Maintained Large Family Home Offers a blend of Texas Freedom & Country Essentials. This maybe the Perfect Multigenerational Layout: The Primary Retreat: Features a Spacious Suite, Two Closet layout with a Private Ensuite Bathroom. In-Law Suite: A rare, Internal 2 Room In-Law Suite, complete with a Private Full Bathroom. Flexible Bedrooms: Four Additional Bright Bedrooms with Spacious Walk-In, Step-In or Reach-In Closets for Family, Guests or Hobbies. Dedicated Home Office: A Private Home Office Provides a quiet place for Remote Work OR an Efficient Home Gym. Backyard Oasis: Step outside to your own Private Paradise featuring a Sparkling In-Ground Swimming Pool Inside the Fenced Backyard. Acreage & Privacy: Enjoy 2.5 Acs of Beautiful Semi-Wooded space that offers endless possibilities for Outdoor Activities, Gardening or Relaxation. Vehicles & Storage: A spacious 2 Car Garage & Carport for 2 provides Excellent Parking Options & a Sizable Barn Shaped Storage Bldg too.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

8/10
Shields Elementary SchoolGrades PK-50.4 mi
4/10
Red Oak Middle SchoolGrades 6-83.9 mi
4/10
Red Oak High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Rock,Stone

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Cathedral Ceiling(s),Decorative/Designer Lighting Fixtures,Double Vanity,High Speed Internet,In-Law Floorplan,Multiple Master Suites,Open Floorplan,Pantry,Paneling/Wainscoting,Cable TV,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Sound
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s),Electric,Heat Pump,Roof Turbine(s)

Interior Area

  • Total interior livable area: 3,564 sqft

Living Room

  • Features: Ceiling Fan(s),Fireplace
  • Level: First
  • Dimensions: 20 x 18

Master Bedroom

  • Features: Built-in Features,Ceiling Fan(s),Dual Sinks,Double Vanity,En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 14 x 14

Other

  • Features: Built-in Features,Dual Sinks,Solid Surface Counters
  • Level: First
  • Dimensions: 12 x 8

Property

Accessibility

  • Accessibility features: Accessible Full Bath

Details

  • Parcel number: 182321
  • Attached to another structure: Yes
  • Other equipment: Irrigation Equipment
  • Exclusions: Any and All Remaining Personal Property.

Features

  • Levels: One
  • Stories: 1
  • Pool features: Diving Board,Gunite,In Ground,Outdoor Pool,Pool
  • Exterior features: Rain Gutters
  • Fencing: Chain Link
  • Waterfront features: Creek
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 2.50 Acres
  • Features: Acreage

Parking

  • Total spaces: 4
  • Parking features: Additional Parking,Carport,Detached Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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 WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Inland Flooding
Lightning
Tornado
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

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 $3,386$40,632
Home Insurance *$456$5,472
Property Taxes $311$3,732
Electricity $391$4,696
Total$4,544$54,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,794/yr
40% on housing$136,320/yr
45% on housing$121,173/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: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 75154$162
Ellis County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 75154$179
Ellis County$182

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
2026-08-17Price change$619,900
2026-08-07Price change$649,900
2026-07-17Price change$669,800
2026-06-25Price change$698,700
2026-06-08Listed for sale$719,900

For Sale by Agent

AgentLogan Garrett
BrokerageHi View Real Estate

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