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435 Timber Ridge Lake Rd, Graham, TX, 76450

4beds
4baths
4,960sqft
$1,490,000
$300price/sqft
$13,010/moest. monthly cost
$520,400/yrincome needed

About This Home

Welcome to your private retreat in the highly sought-after Timber Ridge Lake community, where comfort, space, and outdoor living come together seamlessly. This stunning 4-bedroom, 3.5-bath home features an open-concept floor plan designed for both everyday living and effortless entertaining. The spacious living area is anchored by a large indoor gas fireplace, creating a warm and inviting atmosphere, while the chef-friendly kitchen flows perfectly into the main gathering spaces. Step outside to a generous back porch complete with an outdoor kitchen and a wood-burning fireplace—ideal for hosting guests or relaxing year-round. Car enthusiasts, hobbyists, and fitness lovers will appreciate the impressive 1,200 sq ft attached garage, which includes a full climate-controlled gym and an upstairs storage area. In addition, a brand-new 2,400 sq ft shop provides endless possibilities for work, storage, or recreational use. The property also features a horse lean-to, making it well-suited for those seeking a rural lifestyle. Enjoy catching fish from the beautiful spring-fed (Historic Flag Spring), constant-level lake and the abundant wildlife, including deer and turkey, offering a serene, nature-filled setting. This exceptional property delivers the perfect balance of luxury, functionality, and country charm—don’t miss the opportunity to make it yours.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10
6/10
Graham High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 2023

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Chandelier,Decorative/Designer Lighting Fixtures,Granite Counters,Kitchen Island,Open Floorplan,Pantry,Natural Woodwork,Walk-In Closet(s)
  • Number of fireplaces: 2
  • Fireplace features: Gas,Living Room,Outside,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 4,960 sqft

Living Room

  • Level: First
  • Dimensions: 0 x 0

Master Bedroom

  • Level: First
  • Dimensions: 0 x 0

Property

Details

  • Parcel number: 790216
  • Horse amenities: Barn,Loafing Shed

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Fencing: Barbed Wire,Back Yard,Cross Fenced,Fenced,Front Yard,Gate,Pipe
  • Residential vegetation: Grassed,Partially Wooded
  • Horses can be raised: Yes

Lot

  • Lot size: 46.15 Acres
  • Features: Acreage,Agricultural,Pasture,Pond on Lot,Sprinkler System

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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

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

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Wildfire
Cold Wave
Drought
Heat Wave
Inland Flooding
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 $7,534$90,408
Home Insurance *$3,467$41,604
Property Taxes $1,465$17,580
Electricity $544$6,535
Total$13,010$156,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$446,057/yr
40% on housing$390,300/yr
45% on housing$346,933/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.4%
-5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$300This listing

vs Other Active Listings

Avg $/sqft

ZIP 76450$262
Young County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 76450
Young County$78

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
2026-05-04Listed for sale$1,490,000

For Sale by Agent

AgentGrant Gilbert
BrokerageC-21 DEAN GILBERT, REALTORS

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