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115 Larsen Ln, Scroggins, TX, 75480

4beds
3baths
3,008sqft
$1,195,000
$397price/sqft
$8,429/moest. monthly cost
$337,160/yrincome needed

About This Home

Fantastic home in Twin Coves Subdivision on Lake Cypress Springs. Perfectly positioned on a beautiful lot at the cusp of a quiet cove, the property offers stunning main lake views and a serene waterfront setting. Step inside to find a bright, open floor plan with floor-to-ceiling windows that frame the gorgeous lake views. The spacious living area features a charming rustic rock fireplace and French doors that lead out to an oversized patio, ideal for relaxing or entertaining. The kitchen is beautifully updated with granite countertops, stainless steel appliances, and a large island that offers ample space for cooking and gathering. The primary suite is conveniently located on the main level and includes an en-suite bathroom with modern finishes. A second oversized guest room with its own full bath is also located on the main floor. Upstairs, you'll find a secondary living area, two additional bedrooms, and a full bath—perfect for guests or family. The outdoor space is a true highlight, with a detached garage, generous patio areas, and a one-stall boathouse just steps from the home. An additional interior lot is included. This property is being sold mostly furnished, making it an exceptional opportunity to step into lake living with ease. A rare and fantastic deal on a beautiful waterfront lot!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

8/10
6/10
5/10
Mt Vernon High SchoolGrades 9-129.8 mi

Construction

Condition

  • Year built: 1997

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Siding

Type & Style

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

Interior

Appliances

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

Bathroom

  • Features: Shower Only,Shower and Tub,Walk-In Closet(s),Bar

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Formal Living Combo

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Pantry
  • Window features: Blinds
  • Flooring: Carpet,Wood,Tile
  • Number of fireplaces: 1
  • Fireplace features: One Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central/Electric
  • Cooling features: Central Electric

Interior Area

  • Total structure area: 3,008
  • Total interior livable area: 3,008 sqft

Kitchen

  • Features: Breakfast Bar

Master Bedroom

  • Features: Master Bedroom Split

Property

Details

  • Special condition: Homeowner's Assn Dues

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Sprinkler System
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Waterfront,Water/Lakefront
  • Waterbody name: Cypress Springs

Lot

  • Lot size: 1.11 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

  • Ice Storm
    Ice StormVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Hail
Strong Wind
Cold Wave
Heat Wave
Lightning
Winter Weather

FEMA Declared Disasters Across Texas Counties

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 $6,042$72,504
Home Insurance *$1,251$15,012
Property Taxes $806$9,672
Electricity $330$3,963
Total$8,429$101,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$288,994/yr
40% on housing$252,870/yr
45% on housing$224,773/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$397This listing

vs Other Active Listings

Avg $/sqft

ZIP 75480$354
Franklin County$269

vs Homes Sold Last Month

Median $/sqft

ZIP 75480
Franklin County$218

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
2026-03-03Listed for sale$1,195,000
2026-01-17Listing removed$1,275,000
2025-08-28Price change$1,275,000
2025-07-23Listed for sale$1,295,000

For Sale by Agent

AgentNicole Anderson
BrokerageAnderson Elite Realty

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