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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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41 White Oak , Gainesville, TX 76240
$699,900
Est. Payment: $3,603.39/mo
3 Bed
1.5 Bath
1732 Sqft
Status: active | Days on site: 147
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Welcome to your front-row seat to lake life, where every day feels like a getaway & every sunset is yours to keep. Perfectly positioned on a rare double waterfront lot with 149 feet of pristine shoreline is this fully furnished, turn-key retreat on Moss Lake. From the moment you arrive, the gated drive & peaceful setting set the tone: private, quiet, and worlds away from the everyday. Inside, the home has been thoughtfully reimagined to embrace its surroundings, with sunlight pouring through expansive windows that frame stunning water views from nearly every room. The open-concept living space invites connection, ideal for entertaining guests or unwinding by the wood-burning fireplace as the lake shimmers just beyond. Designed with both function & gathering in mind, the kitchen features generous prep space, abundant cabinetry & seamless flow into the living & dining areas. The primary suite offers a serene escape, while two additional bedrooms provide ample space. What truly sets this property apart is its unmatched turn-key convenience, all furniture, décor & fixtures are included, allowing for immediate enjoyment or income potential from day one. Whether you're a seasoned investor, a 1031 exchange buyer, or simply searching for the ultimate Texas lake house that can help pay for itself, this is a rare & compelling opportunity. Step outside & experience the lifestyle firsthand. Multiple outdoor living areas create the perfect backdrop for everything from peaceful morning coffee to evenings around the firepit under a canopy of stars. Your private dock & boathouse make lake days effortless. Adding even more value, the separate oversized waterfront lot offers the potential for future expansion or an additional build, giving you flexibility to grow or enhance your investment. Whether you're seeking a personal escape, a gathering place for unforgettable memories, or a proven income-producing property, this one-of-a-kind lakefront home delivers!

Highlights

Listed by Michael Hershenberg , and Stephanie Flippin , Real Broker, LLC , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
0.46

HOA Fee

700 Annually

Year Built

1987

County

Cooke

Neighborhood

Whispering Hills

School District

Sivells Bend ISD

Listing ID

21217238

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:1.5
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Cooktop, Electric Range, Electric Water Heater
Air Cond:Ceiling Fan(s),Central Air,Electric
Fireplaces:Brick,Decorative,Family Room,Raised Hearth,Wood Burning
Floor:Carpet,Tile,Wood
Other:
  • Additional:Built-in Features, Built-in Wine Cooler, Cable TV Available, Chandelier, Decorative Lighting, Eat-in Kitchen, Flat Screen Wiring, High Speed Internet Available, Natural Woodwork, Open Floorplan, Pantry, Vaulted Ceiling(s), Walk-In Closet(s), Master on Main

Exterior Features

Lot:Landscaped,Many Trees,Sloped,Water/Lake View,Waterfront,Less Than .5 Acre (not Zero),Dock – Uncovered,Lake Front,Personal Watercraft Lift
Roof:Metal,Shingle
Others:
  • Additional:Balcony, Boat Slip, Covered Deck, Covered Patio/Porch, Dock, Fire Pit, Rain Gutters, Lighting, Private Entrance, Private Yard, RV/Boat Parking, Preowned
Parking Features:Additional Parking,Concrete,Direct Access,Driveway,Electric Gate,Gated,Lighted,Parking Pad,Private
Principal Interest
$3,603
Taxes
$699
HOA
$700

Home Price

$699,900

Loan Details

30 yrs
6.674%

Down Payment

20%
$139,980
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:
$3,603.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,603.39 $698.58 $700.00 $5,001.97
Yearly $43,240.67 $8,383.00 $8,400.00 $60,023.67
Total $1,297,220.10 $251,490.00 $252,000.00 $1,800,710.10

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 (Gainesville, 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: 2026-08-24T23:23:04.180Z

© 2026 North Texas Real Estate Information Systems