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6465 Peninsula Rd, Kerens, TX, 75144

1beds
1baths
399sqft
$375,000
$940price/sqft
$3,043/moest. monthly cost
$121,720/yrincome needed

About This Home

Awesome waterfront lot on RC lake with apx. 100 foot pier that you can fish from, with an island view! You'll enjoy Lake Life in this Tiny Home Community! Home is move-in ready complete with all the furnishings that are included. Stainless steel appliances, corner decorative FP with blower, movable kitchen island and so much more! Multiple windows to let the natural light in, very nice bathroom with step in shower and vanity. Stack washer and dryer connections in pantry. Sprinkler system uses either fresh water or lake water. Outdoor living is set up with a firepit, covered area, pizza oven and a very nice storage building for housing all the outdoor toys! Possible Seller Financing with adequate down payment and agreeable terms. All information is deemed reliable and correct but should be verified by buyer or buyer's agent.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

4/10
Kerens SchoolGrades PK-129.6 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Disposal,Microwave,Refrigerator
  • Laundry features: Stacked

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Built-in Features,Decorative/Designer Lighting Fixtures,Eat-in Kitchen,Kitchen Island,Open Floorplan
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Decorative,Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Fireplace(s)
  • Cooling features: Electric,Wall Unit(s)

Interior Area

  • Total interior livable area: 399 sqft

Living Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 14 x 14

Master Bedroom

  • Features: Built-in Features
  • Level: First
  • Dimensions: 10 x 9

Property

Details

  • Parcel number: 111826
  • Attached to another structure: Yes
  • Exclusions: Golf cart

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Covered
  • Exterior features: Storage,Fire Pit
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront

Lot

  • Lot size: 8,015 sqft
  • Features: Interior Lot,Subdivision,Sprinkler System,Waterfront

Parking

  • Parking features: Concrete,Open
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $1,896$22,752
Home Insurance *$581$6,972
Property Taxes $328$3,936
Electricity $238$2,859
Total$3,043$36,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,331/yr
40% on housing$91,290/yr
45% on housing$81,146/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: 5.1%
5.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.0%
-5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$940This listing

vs Other Active Listings

Avg $/sqft

ZIP 75144$370
Navarro County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 75144$131
Navarro County$145

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)

No zestimate history available

Price History

DateEventPrice
2025-05-01Listed for sale$375,000
2024-09-30Listing removed$399,000
2024-05-03Listed for sale$399,000

For Sale by Agent

AgentLoudine Marrs
BrokerageMarrs & Associates Realty

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