1706 & 1708 S Lake Harris Rd, White Oak, TX, 75693
About This Home
Charming 1940s Cottage with Extra Lot & Rental Income Potential This 1,080 sq ft cottage, built in the 1940s, sits on a ¼-acre corner lot and offers a unique opportunity for both comfortable living and investment. The roof is only 4 years old, and the home is move-in ready with some updates already in place. The property includes an additional lot with two RVs, currently rented at $300/month each. The main home is also tenant-occupied and rented at $1,000/month, providing an established income stream. The RVs can stay as part of the property or be removed—buyer’s choice. Both RVs utilize a portable septic system and share an electric meter (separate from the main house). Inside the main home, you’ll find: 3 bedrooms and 2 baths, both with walk-in showers A kitchen/dining combo plus an additional dining space near the living room Flooring in good condition (tile, vinyl, and laminate in the back room) Pier-and-beam foundation with siding exterior Optional older-model electric stove (other appliances belong to tenants) Outside, the property features two small storage buildings, one with electricity. While the hall bathroom may need some flooring repair, the home is otherwise in good condition and simply awaits cosmetic updates to make it shine. This is a great opportunity for a buyer seeking an affordable home with bonus rental income already in place—or simply a cozy cottage with extra space to make their own.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
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: Range/Oven-Electric,Free-Standing Range,Electric Water Heater
Bathroom
- Features: Shower Only,Other /See Remarks
Bedroom
- Features: Walk-In Closet(s)
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s)
- Window features: Blinds
- Flooring: Laminate,Tile,Vinyl
- Fireplace features: None
Heating & Cooling
- Heating features: Central/Electric
- Cooling features: Central Electric
Interior Area
- Total structure area: 1,080
- Total interior livable area: 1,080 sqft
Kitchen
- Features: Kitchen/Eating Combo
Property
Details
- Special condition: None,As-Is Condition @ Closing
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Porch
- Fencing: Wood,Metal
Lot
- Lot size: 0.41 Acres
- Features: Corner Lot,Rectangular Lot
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
- Strong Wind
- Tornado
- Cold Wave
- Drought
- Hail
- Heat Wave
- Lightning
- Winter Weather
- Inland Flooding
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 | $1,087 | $13,044 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $207 | $2,484 |
| Electricity | $238 | $2,859 |
| Total | $1,696 | $20,352 |
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 |
|---|---|---|
| 2026-02-09 | Price change | $215,000 |
| 2025-09-18 | Listed for sale | $220,000 |
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