6120 Payne Rd, Malakoff, TX, 75148
About This Home
Looking for a low maintenance lifestyle with stylish comfort and room to grow? This thoughtfully designed one bedroom, one bath modern home sits on nearly a quarter acre, that offers space, flexibility, and long term potential. Originally built as a model home, this turnkey property comes loaded with extras including washer, dryer, refrigerator, window blinds, an irrigation system, and a security system. High ceilings and seven sliding glass doors create an open, airy feel filled with natural light, or close the blinds and enjoy complete privacy. The kitchen features a full sized pantry plus bonus space for a desk, buffet, or additional cabinetry to fit your lifestyle. An open concept living and dining area provides room to gather, unwind, or entertain with ease. The loft adds even more flexibility, perfect for a reading nook, guest space, or creative retreat. Outside, the large front porch with pergola style covering invites slow mornings and quiet evenings. A 15x11 storage building keeps everything organized and out of the way. And here’s the kicker. The lot the home sits on is currently zoned commercial, with the city in the process of re-zoning it to mixed use. Mixed use allows for residential or commercial or both opening up tons of options. Opportunities like this do not sit quietly for long. If you want details, zoning updates, or to see this property in person reach out now before someone else claims it.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2023
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Frame,Stone Veneer
Type & Style
- Home type: SingleFamily
- Architectural style: Detached
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Granite Counters,Loft,Pantry,Wired for Sound
- Flooring: Luxury Vinyl Plank
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 792 sqft
Living Room
- Level: First
- Dimensions: 0 x 0
Master Bedroom
- Level: First
- Dimensions: 0 x 0
Property
Details
- Parcel number: 013308600J0034
Features
- Levels: One and One Half
- Stories: 1
- Pool features: None
- Waterbody name: Cedar Creek
Lot
- Lot size: 9,801 sqft
- Lot size dimensions: 124 x 80 x 121 x 80
Parking
- Parking features: Driveway
- 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
- Cold Wave
- Tornado
- Hail
- Heat Wave
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $834 | $10,008 |
| Home Insurance * | $156 | $1,872 |
| Property Taxes | $134 | $1,608 |
| Electricity | $238 | $2,859 |
| Total | $1,362 | $16,344 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-01 | Price change | $165,000 |
| 2026-03-27 | Price change | $185,000 |
| 2025-12-30 | Listed for sale | $195,000 |
| 2025-08-05 | Listing removed | $195,000 |
| 2025-08-02 | Listed for sale | $195,000 |
For Sale by Agent
View on Zillow