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303 Whispering Oaks Trail

Payne Springs, TX 75156 · View on map ↓

4Beds
2Baths
1,618Sqft
$190,000
MLS# 21232447

Overview

4 / 2 / 2 Car
Bed / Bath / Gar
1,618
Sq Ft
1960
Year Built
0.377 acres
Lot Size
Single Family Residence
Type

Description

Nestled in a sought-after waterfront neighborhood, this cozy 4-bedroom, 2-bathroom home sits on two oversized lots, offering a massive backyard found near Cedar Creek Lake. While the home needs some TLC, it is packed with high-value features, including a large kitchen island perfect for entertaining and a primary suite featuring a modern walk-in shower. Outside, you’ll find a 2-car bay detached garage and an additional storage building, providing plenty of room for vehicles, tools, and lake toys. Best of all, you’re just moments away from the water with convenient access to the community boat ramp. Whether you’re looking for a primary residence or a weekend getaway to flip and customize, this property offers incredible bones and even better location.

Mortgage Calculator

$
%
20% · $38,000
0%50%
Principal & Interest$961(70%)
Property Tax (est. 2%)$317(23%)
Homeowner's Insurance (est.)$79(6%)
HOA$8(1%)
Est. Monthly Payment$1,365/mo
Est. Monthly$1,365

Estimate only — contact a lender for actual rates and terms. Property tax estimate based on 2% of purchase price.

Rooms

RoomDimensionsLevel
Primary Bedroom0 x 0First
Living Room0 x 0First
Kitchen0 x 0First
Utility Room0 x 0First
Appliances
Electric Range
Interior Features
Eat In Kitchen, Kitchen Island
Flooring
Carpet, Laminate, Other
Heating
Central, Electric
Cooling
Central Air, Ceiling Fans
Utilities
Municipal Utilities, Sewer Available, Water Available
Architectural Style
Other, Detached
Construction
Frame, Wood Siding
Roof
Composition
Foundation
Slab
Patio / Porch
Front Porch
Pool
None
Levels
Two
Stories
2
Garage Spaces
2
Attached Garage
No
Covered Spaces
2

Schools

Elementary
Mabank (Mabank ISD)
Middle
Mabank (Mabank ISD)
High
Mabank (Mabank ISD)

HOA

Fee
$100 / Annually
Fee Includes
All Facilities

Nearby Properties

Listed by Susan Waterman · McAtee Realty Of Gun Barrel TX
Source: NTREIS · MLS#: 21232447

Information deemed reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of NTREIS. Real estate listings held by brokerage firms other than Sirka.com are marked with the IDX logo and detailed information about them includes the name of the listing brokers.

© 2026 North Texas Real Estate Information Systems, Inc. All Rights Reserved.

4bed
2bath
2car
$190,000
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