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111 Oyster Bay Overlook, Hot Springs, AR, 71913

4beds
3baths
1,716sqft
$434,900
$253price/sqft
$2,903/moest. monthly cost
$116,120/yrincome needed

About This Home

Lakefront Retreat in Diamondhead – Dock Potential & Golf Access Welcome to your lakeside sanctuary on Lake Catherine! Nestled within the secure gates of Diamondhead Golf Community, this remodeled 4BR/2.5BA tri-level home combines comfort and elegance with stunning water views and over 600 sq ft of outdoor deck space, all situated in a secluded cove. Highlights: Lakefront lot with approved boat dock permit (plans included). Excellent bass fishing right off the swim dock. New kitchen with custom cabinetry and granite counters. Spacious living areas with floor-to-ceiling windows showcasing lake views. Finished basement with private entry—ideal for guests or a home office. Access to golf, swimming pool, clubhouse, and tennis. Affordable HOA at $1,300/year covering amenities and security. Short-term rentals permitted—ask about income potential! Perfect for a second home, investment, or retirement—this property offers a rare blend of lakefront living and resort-style amenities, just minutes from Hot Springs. Call for a private showing or virtual tour today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

5/10
7/10
Magnet Cove High SchoolGrades 7-124.6 mi

Construction

Condition

  • Year built: 1977

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Frame,Metal/Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range,Microwave,Dishwasher,Disposal
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Dining Room

  • Features: Eat-in Kitchen,Living/Dining Combo

Features

  • Primary Bedroom/Main Lv,Guest Bedroom Apart
  • Flooring: Carpet,Laminate
  • Fireplace features: Woodburning-Site-Built
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,716
  • Total interior livable area: 1,716 sqft

Property

Details

  • Parcel number: 63314064000

Features

  • Levels: Multi/Split
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 0.50 Acres
  • Features: Subdivided

Parking

  • Parking features: Parking Pad

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
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Arkansas Counties

Flood
Severe Storm
Tornado
Winter 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 $2,199$26,388
Home Insurance $360$4,320
Property Taxes $210$2,520
Electricity $134$1,616
Total$2,903$34,836

Income You'd Need if You Spent...

35% on housing$99,531/yr
40% on housing$87,090/yr
45% on housing$77,413/yr

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: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$253This listing

vs Other Active Listings

Avg $/sqft

ZIP 71913$211
Hot Spring County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 71913$155
Hot Spring County$104

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
2026-03-22Listed for sale$469,900
2026-03-01Listing removed$489,900
2025-08-24Listed for sale$489,900
2025-08-08Listing removed$499,500
2025-05-19Price change$499,500
2025-03-10Price change$509,900
2025-01-25Listed for sale$515,000
2025-01-11Listing removed$515,000
2024-11-12Price change$515,000
2024-07-15Price change$495,500
2024-05-11Listed for sale$515,500
2023-06-16Sold$292,000
2023-06-07Contingent$315,500
2023-05-25Pending sale$315,500
2023-05-25Price change$315,500
2023-04-19Pending sale$269,500
2023-04-18Contingent$269,500
2023-04-16Listed for sale$269,500
2020-05-01Sold$224,900
2019-11-19Listed for sale$219,900

For Sale by Agent

AgentLance Cook
BrokerageCook and Company

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