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39220 Shadow Ridge Dr, Whitney, TX, 76692

3beds
3baths
2,268sqft
$269,900
$119price/sqft
$1,935/moest. monthly cost
$77,400/yrincome needed

About This Home

Discover the perfect blend of comfort, charm, and nature with this stunning two-story brick home, ideally situated between Shadow Ridge and Cross Timbers in the beautiful White Bluff community. Just a few streets from the golf course, this property offers not just a home, but a lifestyle filled with serenity, convenience, and breathtaking surroundings. Freshly painted and impeccably maintained, this home features a spacious design with elegant architectural details. Wake up to the peaceful sounds of nature as you sip your morning coffee on the private balcony, watching deer graze and birds soar across the sky. In the evenings, unwind with a glass of wine while taking in the picturesque sunset views from your outdoor retreat. The expansive backyard is a blank canvas for your dreams—whether you envision a sparkling pool, a lush garden, or a fenced-in space for kids and pets to roam freely. Surrounded by wooded acreage, this property provides a sense of privacy and tranquility while still being close to all the incredible amenities that White Bluff has to offer. This home is a true gem waiting for its next owner. Don’t miss your chance to make this dream home yours—schedule a showing today

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
3/10
Whitney Middle SchoolGrades 6-86.8 mi
6/10
Whitney High SchoolGrades 9-126.7 mi

Construction

Condition

  • Year built: 2006

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range

Bedrooms & Bathrooms

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

Features

  • Double Vanity,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 2,268 sqft

Living Room

  • Level: First
  • Dimensions: 16 x 16

Master Bedroom

  • Level: First
  • Dimensions: 14 x 12

Property

Details

  • Parcel number: 150126

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 6,011 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
    LightningVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 $1,364$16,368
Home Insurance *$192$2,304
Property Taxes $130$1,560
Electricity $249$2,988
Total$1,935$23,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,342/yr
40% on housing$58,050/yr
45% on housing$51,600/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

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 76692$213
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
2026-04-17Price change$309,900
2026-02-18Price change$319,900
2025-12-03Price change$325,000
2025-09-08Price change$328,860
2025-09-03Price change$345,000
2025-07-17Price change$350,000
2025-06-07Price change$369,000
2025-06-05Price change$359,000
2025-04-22Price change$360,000
2025-01-30Listed for sale$370,000
2024-09-30Listing removed$370,000
2024-08-27Price change$370,000
2024-08-27Price change$409,000
2023-12-07Listed for sale$380,000
2023-11-30Listing removed--
2023-08-10Price change$409,000
2023-07-31Listed for sale$429,000
2023-07-12Listing removed--
2022-11-29Listed for sale$429,000
2022-05-10Sold--
2022-03-15Pending sale$349,900
2022-03-06Contingent$349,900
2022-02-11Listed for sale$349,900
2012-02-20Listing removed$223,750
2011-11-08Price change$223,750
2011-05-03Listed for sale$232,750

For Sale by Agent

AgentEric Zadnik
BrokeragePremier, REALTORS

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