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Harrison Lilly

| Harrison Lilly Realty Dallas | Harrison Lilly Realty | PLACE

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205 Oak Creek Dr , Tool, TX 75143
$1,765,000
Est. Payment: $9,086.99/mo
5 Bed
5.5 Bath
4488 Sqft
Status: active | Days on site: 171
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

If you’ve been waiting for the right lake house—this is it. Elevated above Cedar Creek Lake with sweeping open water views, this modern farmhouse delivers the rare combination of newer construction, thoughtful design, and true lake lifestyle just over an hour from Dallas. Built in 2021, the home offers 5 bedrooms, 5.5 baths, and approximately 4,488 square feet designed for both everyday living and large gatherings. The open-concept main level features warm wood beams, shiplap accents, a floor-to-ceiling stone fireplace, and walls of windows that bring the lake into every moment. The chef’s kitchen is built to entertain with quartz countertops, an oversized island, premium appliances, bar closet, and walk-in pantry. The primary suite is a private retreat with private patio and water views, while a main-floor study easily functions as a guest suite. Upstairs, two generous guest bedrooms with en-suite baths and a dedicated recreation wing with built-in bunks, game room, full bath, and additional bedroom create the perfect setup for hosting family and friends. Outdoor living takes center stage with a wraparound covered porch, porch swings, outdoor fireplace, and grilling area overlooking the water. The fenced yard slopes to a private boathouse featuring a 25-foot slip, dual jet ski lifts, and a sunken party deck—designed for long weekends and sunset evenings. Located in Arnold Hills with access to a pickleball court and private boat ramp, this is more than a home—it’s the lake lifestyle buyers are searching for.

Highlights

Listed by Rustin Smith , Rustin James Smith , North Texas Real Estate Information Systems

Property Type

Residential

Lot/Acreage
0.52

HOA Fee

120 Annually

Year Built

2021

County

Henderson

Neighborhood

Arnold Hills

School District

Mabank ISD

Listing ID

21195224

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5.5
  • Full Bathrooms:5
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Oven, Electric Range, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
Air Cond:Central Air,Electric,Zoned
Fireplaces:Gas,Gas Logs,Gas Starter,Insert,Outside,Wood Burning
Floor:Carpet,Ceramic Tile
Other:
  • Additional:Built-in Wine Cooler, Decorative Lighting, Dry Bar, Eat-in Kitchen, Flat Screen Wiring, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), ADU, Master on Main

Exterior Features

Lot:Landscaped,Many Trees,Sprinkler System,Water/Lake View,Waterfront,.5 to < 1 Acre,Dock – Covered,Lake Front,Personal Watercraft Lift,Retaining Wall – Steel
Roof:Composition
Others:
  • Additional:Attached Grill, Boat Slip, Built-in Barbecue, Covered Deck, Covered Patio/Porch, Dock, Rain Gutters, Lighting, Outdoor Grill, Outdoor Living Center, Preowned
Parking Features:Additional Parking,Attached Carport,Circular Driveway,Garage,Garage Faces Front,Golf Cart Garage
Principal Interest
$9,087
Taxes
$1,125
HOA
$120

Home Price

$1,765,000

Loan Details

30 yrs
6.674%

Down Payment

20%
$353,000
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:
$9,086.99

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $9,086.99 $1,125.19 $120.00 $10,332.17
Yearly $109,043.84 $13,502.25 $1,440.00 $123,986.09
Total $3,271,315.14 $405,067.50 $43,200.00 $3,719,582.64

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 (Tool, 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: 2026-08-24T19:21:47.893Z

© 2026 North Texas Real Estate Information Systems