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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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491 Cozy Cove Ct , Chico, TX 76431
$1,100,000
Est. Payment: $5,663.28/mo
3 Bed
2 Bath
2400 Sqft
Status: active | Days on site: 136
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

A waterfront paradise awaits on Lake Bridgeport. Tucked away on a private and picturesque 0.88-acre lot in the highly sought-after Cozy Cove on the northside of the lake, this exceptional property features approximately 195 feet of deep-water shoreline, surrounded by mature trees that create a beautiful and one of kind park-like setting. This private retreat begins with a pipe-fenced entrance and asphalt driveway, leading to a charming 3-bedroom, 2-bath home offering over 1,800 square feet of living space, plus an additional 600-square-foot enclosed porch—ready for your vision to transform it from cottage-core charm into a modern lakeside escape. A large covered front porch welcomes you, providing the perfect place to relax and enjoy refreshing lake breezes year-round. Inside, you’ll find a spacious open-concept layout connecting the living room and kitchen, highlighted by a striking corner stone wood-burning fireplace. Abundant built-ins throughout the home offer ample storage. The primary bedroom features an ensuite bath with dual vanities, a separate shower, and a garden soaking tub. Off the primary bedroom leads to the expansive sunroom. The property also includes a variety of versatile outbuildings, such as a 12' x 20' accessory structure previously used as a bunkhouse with a sleeping loft and front porch, an 8' x 12' greenhouse, and a 24' x 32' detached garage with an additional 24' x 16' storage area. Additionally water to the home is supplied by the Grand Harbor water district , which is a real value to have in the area. No City Taxes, and No HOA! Completing this impressive offering is a large covered boat dock featuring a boat slip, two jet ski slips, a paddle boat slip, and an additional swim platform—providing everything you need to fully enjoy lakefront living and the many recreational opportunities the lake has to offer. Lake life awaits—along with the opportunity to create memories that will last a lifetime.

Highlights

Listed by Robin Krueger , Massey Krueger Real Estate Svs , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
0.88

Year Built

1996

County

Wise

Neighborhood

Cozy Cove Estates

School District

Chico ISD

Listing ID

21236133

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Electric Cooktop, Electric Oven, Microwave
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:Glass Doors,Living Room,Stone,Wood Burning
Floor:Carpet,Ceramic Tile
Other:
  • Additional:Built-in Features, Walk-In Closet(s), Master on Main

Exterior Features

Lot:Landscaped,Many Trees,Sloped,Sprinkler System,Varied,Water/Lake View,Waterfront,.5 to < 1 Acre,Dock – Covered,Lake Front
Roof:Composition
Others:
  • Additional:Boat Slip, Covered Patio/Porch, Dock, RV/Boat Parking
Parking Features:Additional Parking,Asphalt,Driveway,Garage,Oversized,RV Access/Parking
Principal Interest
$5,663
Taxes
$701

Home Price

$1,100,000

Loan Details

30 yrs
6.674%

Down Payment

20%
$220,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,663.28

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,663.28 $701.25 $0.00 $6,364.53
Yearly $67,959.33 $8,415.00 $0.00 $76,374.33
Total $2,038,779.98 $252,450.00 $0.00 $2,291,229.98

Today's Rates

30 Year

6.67%

20 Year

6.37%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Chico, TX).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by North Texas Real Estate Information Systems Multiple Listing Service, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-24T21:21:41.390Z

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