- Henderson County
- Payne Springs TX
- 75156
- Local Area: Southwood Shores
Property Overview
Wake up to deep water, wide-open views, and the rare bonus of two waterfront lots. This property is located on over 150 feet of deep water centrally located on Cedar Creek Reservoir. Room for the RV, room for the boats, and nearly half an acre on the lake. There are two boat houses that have been redone that include lifts that will accommodate 2 boats and 2 jet skis, a large back deck perfect for gatherings, a covered patio near the water ideal for crawfish boils and fish frys, a gazebo near the water with electricity and three outbuildings providing lots of storage for a variety of needs. Additional features include two driveways, fenced yard, patio wired for a hot tub, and new HVAC. The home is 3 bedrooms, 2 baths, with an open floor plan. Each room has been remodeled. The kitchen has beautiful concrete countertops, plenty of cabinets, kitchen island, gas cooktop, double oven and new dishwasher. The living area has wood floors, a beautiful pine ceiling and opens to a large enclosed back patio with cedar walls and ceiling looking out on the beautiful open water and has great sunset views. It is conveniently located near Gun Barrel City amenities and has a neighborhood boat ramp close by. This property is ready and waiting for the perfect full-time resident or weekender looking to have a great place to escape and relax. The second lot has its own address and would be great for a guest house, workshop or RV storage as permitted by deed restrictions.
Featured spaces
HAVE QUESTIONS ABOUT THIS HOME?
Text or email Steavy directly from this listing.
HAVE QUESTIONS ABOUT THIS HOME?
Text or email Steavy directly from this listing.
Property highlights
Year Built 1990
School District Mabank Isd
HOA No HOA
Parking Additional Parking, Concrete, Driveway, No Garage
Architecture Detached
Neighborhood Southwood Shores
Full Property Details
Property Details
Quick Details
- Price $749,900
- Status Active
- Bedrooms 3
- Bathrooms 2
- Square Feet 1,189 Sq Ft
- Lot Size 0.46 acres
- Lot Size Sq Ft 20,038
- Year Built 1990
- Price / Sq Ft $631 / Sq Ft
- MLS # 21349952
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- County Henderson
- Subdivision Southwood Shores
- Days on Market 186
Home Details
- Architectural Style Detached
- Stories 1
- Levels One
- Full Baths 2
- Half Baths 0
- Construction Fiber Cement
- Foundation Slab
- Roof Composition
- Flooring Combination, Tile, Vinyl, Wood
- Heating Central, Electric
- Cooling Central Air, Ceiling Fans, Electric
- Property Attached Yes
Kitchen & Interior
- Appliances Convection Oven, Double Oven, Dishwasher, Electric Oven, Electric Water Heater, Gas Cooktop
- Interior Features Decorative Designer Lighting Fixtures, Kitchen Island, Open Floorplan, Pantry, Natural Woodwork
Lot & Exterior
- Lot Features Irregular Lot, Waterfront, Retaining Wall
- Fencing Chain Link
- Pool No
- Waterfront Features Boat Dock Slip, Lake Front, Waterfront
- View Features Water
Parking
- Parking Additional Parking, Concrete, Driveway, No Garage
- Covered Parking 0
- Attached Garage No
Taxes & HOA
- Annual Taxes $4,905
- Parcel Number 41650000050058
- Legal Description LT 50 & 51, SOUTHWOOD SHORES
- Tax Lot 50 51
Utilities
- Utilities Municipal Utilities, Sewer Available, Water Available
Schools
- School District Mabank ISD
- Elementary Mabank — Mabank ISD
- Middle Mabank — Mabank ISD
- High Mabank — Mabank ISD
Listing Information
- Listing Agent Debbie French
- Brokerage Ebby Halliday Realtors
- MLS Board NTREIS
- List Date 08/04/2026
- Source Updated 08/04/2026
- Last Updated 08/19/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 250 Whispering Oaks Trail
Henderson CAD (Pritchard & Abbott) records for 250 Whispering Oaks Trail, Payne Springs, TX 75156 show a CAD market value of $366,856 and a net appraised value of $366,856. CAD values are used for property-tax purposes and may differ from the property's current list price or eventual sale price.
TAX INFO FOR NORMAL PEOPLE
A plain-English look at Henderson CAD (Pritchard & Abbott) property-tax and appraisal records for 250 Whispering Oaks Trail, Payne Springs, TX 75156, including CAD market value, appraised value, exemptions, taxing entities, improvement records, and value history.
View Official Henderson CAD (Pritchard & Abbott) Property Record
1. CAD Big Picture: Land + Improvements = Market Value
This shows what the CAD market value is made of. Appraisal districts usually separate value between the land and the improvements. Improvements may include the home, garages, shops, patios, pools, decks, storage, and other structures.
Land Value $114,390 + Improvement Value $252,466 = CAD Market Value $366,856
2. Improvement Details: Size, Type & Assessed Value
This is a breakdown of the improvements CAD has listed for the property and the square footage or area connected to those records. CAD improvement records may include the main living area, garages, shops, decks, patios, pools, storage, or other site improvements when available.
LIVING ANNEX
Value: $34,565 Total Area: 444 Sqft Living Area: 444 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| LIVING ANNEX | LX | 444 Sqft |
WOOD DECK
Value: $32,852 Total Area: 422 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| WOOD DECK | WD | 422 Sqft |
CARPORT/CONCRETE FLOOR
Value: $20,241 Total Area: 260 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| CARPORT/CONCRETE FLOOR | CP | 260 Sqft |
CARPORT/CONCRETE FLOOR
Value: $12,456 Total Area: 160 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| CARPORT/CONCRETE FLOOR | CP | 160 Sqft |
CARPORT/FREESTANDING
Value: $31,140 Total Area: 400 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| CARPORT/FREESTANDING | CF | 400 Sqft |
SHED/METAL
Value: $7,474 Total Area: 96 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| SHED/METAL | SI | 96 Sqft |
SHED WOOD
Value: $23,355 Total Area: 300 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| SHED WOOD | SS1 | 300 Sqft |
LIVING AREA
Value: $90,305 Total Area: 1160 Sqft Living Area: 1160 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| LIVING AREA | LA | 1,160 Sqft |
PIER/BOAT/SKI
Value: $78 Total Area: 1 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| PIER/BOAT/SKI | ADD-BLDG | 1 Sqft |
3. Current Tax Exemptions & Statutory Limitations
Property tax bills reflect two distinct types of CAD adjustments: local taxing jurisdiction exemptions (which reduce taxable value below appraised value) and statutory appraisal limitations (which limit the annual growth of appraised value itself). Each taxing entity establishes its own exemption amounts and tax rates.
Local taxing jurisdictions reflect taxable value reductions below appraised value. The CAD source did not disclose specific exemption codes.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer’s exemptions and future tax obligations may differ.
4. Value After CAD Reductions
This is where CAD reductions, exemptions, limitations, or special-use valuation may affect the value used for tax calculations.
CAD Market Value $366,856 − All Current CAD Reductions $0 = Current Taxed Starting Point $366,856
This reflects the CAD net appraised value after current CAD reductions. Individual taxing units may use different taxable values when exemptions apply.
Taxable-value reduction for applicable school district (Mabank ISD); reflects current CAD record, not guaranteed to transfer to buyer. Additional local taxing units on this record also show taxable-value reductions: Henderson Co R&b (-$19,216), Henderson County (-$19,216), Henderson Co Fm-fc (-$2,306), City Of Payne Springs (-$25,529), Trinity Valley Comm (-$11,530).
5. Who Taxes It?
These are the local entities included in the current CAD/tax estimate. A property tax bill can include a city, county, school district, municipal utility district, public improvement district, or other special district. Each entity may use its own taxable value, rate, and exemption treatment.
| Entity | Taxable Value | Rate (per $100) | Est. Tax (No Ex.) | Savings | Est. Tax (Current) |
|---|---|---|---|---|---|
|
Other Entity
HENDERSON CAD |
$366,856 | 0.0000 | $0 | — | $0 |
|
Emergency Services District (ESD)
EMERGENCY SVS DIST #2 |
$366,856 | 0.0538 | $197 | — | $197 |
|
County
HENDERSON CO R&B |
$347,640 | 0.0172 | $63 | -$3 | $60 |
|
County
HENDERSON COUNTY |
$347,640 | 0.2743 | $1,006 | -$53 | $954 |
|
County
HENDERSON CO FM-FC |
$364,550 | 0.0400 | $147 | -$1 | $146 |
|
School District
MABANK ISD |
$213,129 | 0.9469 | $3,474 | -$1,456 | $2,018 |
|
City
CITY OF PAYNE SPRINGS |
$341,327 | 0.2900 | $1,064 | -$74 | $990 |
|
Other Entity
TRINITY VALLEY COMM |
$355,326 | 0.1137 | $417 | -$13 | $404 |
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer's exemptions and future tax obligations may differ.
Special District Context
- Emergency Services District (ESD): A special district providing emergency services and fire protection.
6. Estimated Tax Bottom Line
Est. Taxes (No Exemptions) $6,368 − Est. Tax Reductions / Savings $1,600 = Est. Taxes (With Current Exemptions) $4,768
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $1,600. Estimated taxes without exemptions are calculated by applying each jurisdiction's tax rate to its pre-exemption taxable value. Exemption savings represent the difference between this unexempted estimate and the county's current tax estimate. Taxable values and tax rates vary by jurisdiction. Future taxes depend on buyer qualification and future adopted rates.
7. CAD Values Over Time
YOY Change reflects the change in CAD Market Value from the prior appraisal year. Taxed / Appraised reflects the CAD net appraised value after CAD reductions, or the certified capped appraisal value where jurisdictions differ. Individual taxing units may use different taxable values when exemptions apply.
| Year | Land | Impr. | Market | Taxed / Appraised | YOY Change |
|---|---|---|---|---|---|
| 2021 | $97,416 | $105,933 | $203,349 | $203,349 | +$7,216 / +3.68% |
| 2022 | $100,663 | $146,994 | $247,657 | $222,685 | +$44,308 / +21.79% |
| 2023 | $114,390 | $167,543 | $281,933 | $243,954 | +$34,276 / +13.84% |
| 2024 | $114,390 | $178,499 | $292,889 | $274,310 | +$10,956 / +3.89% |
| 2025 | $114,390 | $178,499 | $292,889 | $292,889 | — |
| 2026 | $114,390 | $252,466 | $366,856 | $366,856 | +$73,967 / +25.25% |
8. List Price vs CAD Value
The current list price and the county’s CAD market value are not the same thing. CAD market value is used for property-tax context and may lag the open market, reflect prior protests, exemptions, caps, agricultural or special-use treatment, or other appraisal district methods.
How does the list price compare with the CAD value?
CAD values are appraisal-district values used for property-tax purposes and can differ from current asking prices and eventual sale prices.
Current List Price $749,900 − Current CAD Market Value $366,856 = Over CAD Value +$383,044 (+104.4%)
A sale price can become part of the appraisal district’s future evidence. A buyer’s future taxable value and tax bill may change after purchase, especially if exemptions, caps, or special-use valuation change.
For tax planning, buyers should confirm future taxable value, exemptions, and special-use treatment with the appraisal district, tax office, lender, CPA, or other qualified advisor.
LIFE AROUND SOUTHWOOD SHORES
A curated look at local favorites, everyday stops, and lifestyle context near this property.