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15074 Saline Dr, Bullard, TX, 75757

2beds
1baths
864sqft
$389,000
$450price/sqft
$3,026/moest. monthly cost
$121,040/yrincome needed

About This Home

Seller is offering $5,000 in concessions! Lake life? Yes please! Here’s your chance to own an amazing lakefront property on beautiful Lake Palestine! This cozy cottage has its own boat dock with 2 power lifts, sun deck area & storage are! There is NO HOA! Enjoy the amazing sunsets/sunrises on the spacious covered back deck. Remodeled kitchen with gorgeous granite countertops and hardwood floors. The beautiful yard is watered from a 2 HP irrigation system using water from the lake. The home has two large bedrooms, a spacious full bathroom, and a separate laundry room. There's also a large storage building to hold all your lake toys. Contact me today to view this beautiful lake front cottage before its gone! Possible owner financing with $60,000 down.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
8/10
Bullard Middle SchoolGrades 7-85.9 mi
7/10
Bullard High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Pilings
  • Roof: Composition
  • Construction materials: Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven-Electric,Refrigerator

Bathroom

  • Features: Shower/Tub

Bedroom

  • Features: Other/See Remarks

Bedrooms & Bathrooms

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

Features

  • Other/See Remarks
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 864
  • Total interior livable area: 864 sqft

Kitchen

  • Features: Breakfast Bar

Property

Details

  • Parcel number: 180045000000010000
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck Open,Deck Covered
  • Exterior features: Boat Slip
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Lake Palestine

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

  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Cold Wave
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters Across Texas Counties

Flood
Severe 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 $1,966$23,592
Home Insurance *$263$3,156
Property Taxes $559$6,708
Electricity $238$2,859
Total$3,026$36,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,748/yr
40% on housing$90,780/yr
45% on housing$80,693/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 75757$193
Smith County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 75757$187
Smith County$171

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
2026-05-10Listed for rent$2,295
2026-04-16Price change$430,000
2026-03-29Listed for sale$440,000
2026-03-06Listing removed$2,295
2026-03-02Price change$2,295
2026-01-05Listed for rent$2,395
2025-06-01Listing removed$2,395
2025-05-15Price change$2,395
2025-03-23Listed for rent$2,495
2024-12-18Listing removed$2,495
2024-11-04Price change$2,495
2024-10-28Price change$2,595
2024-09-25Listed for rent$2,695
2024-08-28Listing removed--
2024-05-29Price change$2,995
2024-05-18Price change$3,295
2024-05-09Price change$3,800
2024-04-30Listed for rent$3,900
2023-03-20Listing removed--
2023-02-25Price change$375,000
2023-01-24Pending sale$395,000
2023-01-05Price change$395,000
2022-12-08Listed for sale$415,000
2015-12-22Listing removed$139,900

For Sale by Agent

AgentConnie Fleming
BrokeragePrestige Realty

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