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523 Big Lake Rd, Karnack, TX, 75661

2beds
2baths
1,456sqft
$340,000
$234price/sqft
$2,340/moest. monthly cost
$93,600/yrincome needed

About This Home

Are you prepared to unlock your ideal lake lifestyle? This residence is perfectly situated to cater to your every requirement, whether that's relaxation, adventure, or investment, perhaps all of the above. Completely transformed from the floors up! This waterfront gem boasts a boat house, and an open concept living area ideal for entertaining. With sleek new fixtures, butcher block counter tops, and matching appliances, the kitchen is a true showstopper. Plus, enjoy the added peace of mind that comes with new water-resistant flooring throughout. On cold days you will love the added heat of the free standing fireplace. The large remodeled sun room with beautiful woodwork, large windows, a 1.5 bath, and a mini split is ideal for gatherings, morning coffee, or just a quiet retreat to unwind from a long day. This property also includes a large attached garage, a metal roof, circle driveway, and a host of updates such as a new aerobic system, new plumbing throughout, new electrical wiring throughout, new electrical panel in the garage, new ceiling fans, insulation has been added to all interior walls, new paint throughout the interior and exterior, new bathtub, new vanity, toilet, and fixtures in the bathroom. This list goes on!!!! You will love the outside of this home just as much as the inside. Beautiful front yard with space to play, and a backyard that offers water views, fishing, or you can hope in your boat and enjoy the beauty of the open lake, perfect for fishing or recreational activities. Property is about 1/4 mile from Tucker's Camp. A must see!!!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Aluminum/Metal
  • Construction materials: Wood/Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Elec Range/Oven,Microwave,Dishwasher,Electric Water Heater
  • Laundry features: In Garage,Electric Dryer Hookup,Washer Hookup

Bathroom

  • Features: Shower and Tub

Bedroom

  • Features: All Bedrooms Downstairs

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Ceiling Fans,High Speed Internet,Eat-in Kitchen
  • Window features: Window Treatments,Storm Window(s)
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Free Standing,Living Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,456 sqft

Property

Details

  • Parcel number: R000036502
  • Exclusions: Personal Items

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Other
  • Fencing: None
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake
  • Topography of land: Level,Sloping
  • Residential vegetation: Partially Wooded
  • Living area range: 1000-1500

Lot

  • Lot size: 0.42 Acres
  • Features: Native Grass,Sandy Loam,In Flood Plain
  • Lot size dimensions: 186.95 x 100.29

Parking

  • Total spaces: 1
  • Parking features: Garage,Garage Faces Front,Garage Door Opener,Circular Driveway,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Drought
    DroughtRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Ice Storm
Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $1,719$20,628
Home Insurance *$338$4,056
Property Taxes $45$540
Electricity $238$2,859
Total$2,340$28,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,228/yr
40% on housing$70,200/yr
45% on housing$62,400/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.8%
-5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 75661$116
Harrison County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 75661$131
Harrison County$154

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
2026-04-07Listed for sale$325,000
2026-04-02Pending sale$325,000
2025-08-08Price change$325,000
2025-07-10Price change$375,000
2024-12-26Price change$325,000
2024-11-14Price change$340,000
2024-08-20Price change$350,000
2024-08-16Price change$369,995
2024-07-24Listed for sale$370,000

For Sale by Agent

AgentJessica Langston
BrokerageScarborough Realty Group TX -Carthage

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