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103 Smackover Ln, White Oak, TX, 75693

5beds
4baths
3,491sqft
$522,900
$150price/sqft
$4,099/moest. monthly cost
$163,960/yrincome needed

About This Home

Space to gather. Room to grow. A place to love. This White Oak home is a stunning 5-bedroom, 3.5-bath home located in the sought-after Woodbine Place neighborhood. Designed with both comfort and functionality in mind, the open layout flows effortlessly into a spacious living room with a cozy gas fireplace. The kitchen is a standout with tons of cabinetry, stainless appliances, a center island, eat-in bar, and bright breakfast area, making it ideal for hosting and everyday life. The downstairs primary suite feels like a private escape with a soaking tub, walk-in shower, oversized closet, and plenty of space to relax. Within the home you will find four generously sized bedrooms, offering endless flexibility. Step outside to a private, fenced backyard, plus an extended driveway, attached garage, and covered carport with storage—perfect for all of your extras. With tons of charm, this home checks all the boxes!! Seller is motivated—don’t miss this one!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
9/10
White Oak Middle SchoolGrades 6-81.8 mi
7/10
White Oak High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Slab
  • Roof: Composition

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range/Oven,Dishwasher,Disposal,Electric Water Heater,More Than One Water Heater
  • Laundry features: Laundry Room

Bathroom

  • Features: Shower and Tub,Dressing Area,Walk-In Closet(s),Ceramic Tile

Bedroom

  • Features: Walk-In Closet(s)

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • High Speed Internet,Master Downstairs,Breakfast Bar,Eat-in Kitchen
  • Window features: Shutters
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,491 sqft

Property

Details

  • Parcel number: 198439
  • Exclusions: personal items

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Auto Sprinkler
  • Fencing: Wood
  • Living area range: 3001-4000

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Faces Side,Attached,Concrete
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

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 $2,644$31,728
Home Insurance *$399$4,788
Property Taxes $673$8,076
Electricity $383$4,599
Total$4,099$49,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,537/yr
40% on housing$122,970/yr
45% on housing$109,306/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: 7.9%
7.9%
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

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 75693$204
Gregg County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 75693$147
Gregg County$127

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
2026-04-29Price change$527,900
2026-03-18Price change$529,900
2026-02-09Listed for sale$534,900
2026-02-07Listing removed$539,900
2025-05-01Price change$539,900
2024-08-02Price change$544,900
2024-01-08Price change$544,400
2023-10-10Price change$544,900
2023-09-11Price change$559,900
2023-09-05Price change$575,900
2023-08-24Price change$584,900
2023-08-16Listed for sale$599,000
2022-08-05Sold--
2022-06-14Listed for sale$539,950
2017-12-11Sold--
2017-09-18Price change$339,900
2017-06-29Price change$349,900
2017-05-21Price change$369,900
2017-04-06Price change$374,900
2016-10-10Listed for sale$389,000
2016-08-26Listing removed$399,900
2014-09-02Listing removed$399,000
2014-06-16Price change$399,000
2014-05-01Listed for sale$409,800
2013-11-06Listing removed$390,000
2013-05-21Listed for sale$390,000

For Sale by Agent

AgentMeredith R Smeltzer
BrokerageEmber Realty

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