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38 Twisted Trl, Mount Vernon, TX, 75457

2beds
2baths
1,642sqft
$295,000
$180price/sqft
$2,061/moest. monthly cost
$82,440/yrincome needed

About This Home

Charming Woodland Retreat in Tall Tree Subdivision nestled just a block from beautiful Lake Cypress Springs in the gated Tall Tree community. This adorable 2-bedroom, 2-bath completely updated home offers the perfect blend of rustic charm and modern comfort. Surrounded by mature trees and abundant wildlife, the property invites you to bring the outdoors inside with large windows that frame scenic wooded views and natural light throughout. Inside, pine-accented walls and quality finishes create a warm, inviting atmosphere. The kitchen has been recently updated with contemporary fixtures, a convenient breakfast bar, and a spacious pantry — ideal for both everyday living and casual entertaining. The one car garage offers additional overhead storage plus the additional storage building could be converted to an office or extra living space. Living in the Tall Tree community, you’ll enjoy an array of amenities including a boat ramp, clubhouse, tennis courts, swimming pool, and gated entry for added privacy and security. This property presents a rare opportunity to own a tranquil lake-area home with both comfort and character — a perfect primary residence, weekend escape, or investment near one of East Texas’ most sought-after recreational areas. See list of updated in associated docs.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
6/10
5/10
Mt Vernon High SchoolGrades 9-128.1 mi

Construction

Condition

  • Year built: 1994

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Range/Oven-Electric

Bathroom

  • Features: Shower Only,Shower/Tub,Double Lavatory

Bedroom

  • Features: Walk-In Closet(s)
  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Blinds
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,642
  • Total interior livable area: 1,642 sqft

Kitchen

  • Features: Kitchen/Eating Combo

Property

Details

  • Parcel number: 025020001300109000000
  • Special condition: Homeowner's Assn Dues

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio Covered,Deck Open
  • Fencing: None
  • Waterbody name: Cypress Springs

Lot

  • Lot size: 0.57 Acres
  • Lot size dimensions: 180 x 172

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front
  • 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

  • Ice Storm
    Ice StormVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $1,491$17,892
Home Insurance *$244$2,928
Property Taxes $88$1,056
Electricity $238$2,859
Total$2,061$24,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,662/yr
40% on housing$61,830/yr
45% on housing$54,960/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 75457$241
Franklin County$279

vs Homes Sold Last Month

Median $/sqft

ZIP 75457
Franklin County$218

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
2026-04-23Price change$315,000
2025-12-18Listed for sale$331,300
2022-07-01Sold--
2022-06-11Pending sale$225,000
2022-06-03Contingent$225,000
2022-05-28Pending sale$225,000
2022-05-20Listed for sale$225,000
2021-11-17Sold--
2021-10-18Pending sale$170,000
2021-09-28Contingent$170,000
2021-09-28Pending sale$170,000
2021-09-11Price change$170,000
2021-08-14Listed for sale$200,000

For Sale by Agent

AgentKyla McCormack
BrokerageTexas Real Estate Executives-Gilmer

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