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172 Giant Cedar Trl, Whitney, TX, 76692

5beds
3baths
2,351sqft
$319,000
$136price/sqft
$2,252/moest. monthly cost
$90,080/yrincome needed

About This Home

Lake house on beautiful Lake Whitney! This home offers a spacious 5 bedroom, 3 full bath, 3 story with lookout tower and ready for Lake Living. Has VRBO income property potential with fully furnished home and ready for rentals that sleeps 16. On .369 acres that backs up to secluded Corp land. Kitchen with stove, refrigerator and pantry. game media room with foosball table. Full-size pool table. Plenty of outdoor living space from the front porch area, to the back deck, to the side fire pit. Plenty of parking and 5-8 minute walk to the lake. Buyer and buyer's agent to verify all information.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

2/10
3/10
Whitney Middle SchoolGrades 6-83.8 mi
6/10
Whitney High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1984

Materials

  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Electric Oven,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry in Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Multiple Staircases,Pantry,Cable TV
  • Flooring: Engineered Hardwood,Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,351 sqft

Kitchen

  • Features: Solid Surface Counters
  • Level: First
  • Dimensions: 12 x 12

Living Room

  • Level: First
  • Dimensions: 24 x 12

Master Bedroom

  • Features: Ceiling Fan(s)
  • Level: First
  • Dimensions: 12 x 13

Property

Details

  • Parcel number: 128055

Features

  • Levels: Three Or More
  • Pool features: None
  • Exterior features: Courtyard,Outdoor Living Area,Rain Gutters
  • Waterbody name: Whitney

Lot

  • Lot size: 0.37 Acres
  • Features: Landscaped,Many Trees

Parking

  • Total spaces: 2
  • Parking features: Covered,Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Heat Wave
Ice Storm
Strong Wind

FEMA Declared Disasters Across Texas Counties

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 $1,613$19,356
Home Insurance *$227$2,724
Property Taxes $154$1,848
Electricity $258$3,097
Total$2,252$27,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,211/yr
40% on housing$67,560/yr
45% on housing$60,053/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 76692$212
Hill County$221

vs Homes Sold Last Month

Median $/sqft

ZIP 76692
Hill County$180

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
2026-05-06Listed for sale$329,000
2020-10-14Listing removed$162,500
2020-10-12Pending sale$162,500
2020-07-22Price change$162,500
2020-06-27Listed for sale$169,000
2020-06-10Pending sale$169,000
2020-03-27Price change$169,000
2019-09-19Listed for sale$179,000
2014-11-21Listing removed$170,000
2014-09-13Price change$170,000
2014-07-31Price change$181,500
2014-07-02Price change$184,000
2014-05-17Listed for sale$185,000

For Sale by Agent

AgentGary Wallace
BrokerageGary Wallace Realty

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