205 Cottonwood Trl, White Oak, TX, 75693
About This Home
Situated on 1.75 acres in the established and highly desirable North Oak Estates in White Oak, this spacious 3-bedroom, 2.5-bath home is full of character and opportunity. Offering approximately 3,435 square feet, the property features generous living spaces, timeless built-ins, and a layout designed for both everyday living and entertaining. The main living room showcases a corner wood-burning fireplace and flows seamlessly into the dining area and kitchen, creating an open and inviting atmosphere, while a massive second living area provides incredible flexibility and includes a convenient half bath with direct outdoor access to the backyard. Step outside to enjoy the in-ground swimming pool and private patio area, perfect for relaxing or hosting gatherings. The primary suite is impressively sized with built-ins, plenty of room for a sitting area, and sliding doors that lead directly to the patio and pool. Recent updates include pool equipment replaced in 2024, a second attic A/C unit replaced in 2023, the exterior A/C unit replaced in 2023, a roof replaced in 2024, and added spray insulation in the attic, plus the home has been on a regular preventative pest control schedule. With no HOA and no restrictions, there is ample room for RV parking, adding a shop, or creating the outdoor space you’ve always wanted, and it presents an outstanding opportunity to personalize a property with solid improvements, space, and a prime location.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1976
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Brick and Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Elec Range/Oven,Dishwasher,Disposal,Electric Water Heater
- Laundry features: Laundry Room
Bathroom
- Features: Shower and Tub,Vinyl Tile,Carpet
Bedroom
- Features: Master Bed Sitting Area,Separate walk-In Closets
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 5
Dining Room
- Features: Den/Dining Combo
Features
- Ceiling Fan(s),Pantry,High Speed Internet,Eat-in Kitchen
- Window features: Partial Curtains,Shades/Blinds
- Flooring: Carpet,Other
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Central Electric
- Cooling features: Central Electric
Interior Area
- Total interior livable area: 3,435 sqft
Property
Details
- Parcel number: 56432
- Exclusions: personal items in garage
Features
- Levels: One
- Stories: 1
- Private pool: Yes
- Pool features: Vinyl,In Ground
- Patio & porch: Patio
- Fencing: None
- Topography of land: Level
- Residential vegetation: Partially Wooded
- Living area range: 3001-4000
Lot
- Lot size: 1.75 Acres
- Features: Landscaped,Native Grass
Parking
- Total spaces: 2
- Parking features: Garage,Garage Faces Side,Attached,Rear/Side Entry,Paved
- 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
- Tornado
- Ice Storm
- Strong Wind
- Cold Wave
- Hail
- Heat Wave
- Lightning
- 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 | $1,516 | $18,192 |
| Home Insurance * | $229 | $2,748 |
| Property Taxes | $619 | $7,428 |
| Electricity | $377 | $4,526 |
| Total | $2,741 | $32,892 |
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 |
|---|---|---|
| 2026-03-25 | Price change | $349,975 |
| 2026-02-17 | Listed for sale | $399,999 |
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