Payne Springs Homes under $700,000

Welcome to Payne Springs, Texas – a hidden gem nestled in the heart of Henderson County. This charming city, located on the serene shores of Cedar Creek Lake, offers a perfect blend of small-town charm and vibrant community spirit. With its picturesque landscapes, friendly neighbors, and a relaxed pace of life, Payne Springs is an ideal place for families, retirees, and anyone seeking a peaceful retreat.

One of the most appealing aspects of Payne Springs is its diverse real estate market, particularly for those looking for homes under $700,000. Whether you’re searching for a cozy lakeside cottage, a spacious family home, or a modern retreat, you’ll find a variety of options that cater to different lifestyles and budgets. Many homes in this price range boast stunning views of the lake, expansive outdoor spaces, and access to recreational activities, making it easy to enjoy the natural beauty that surrounds you.

Living in Payne Springs means embracing a lifestyle filled with outdoor adventures. Residents can indulge in fishing, boating, and hiking, or simply take a leisurely stroll along the scenic waterfront. The community hosts various events throughout the year, fostering a strong sense of belonging among neighbors.

With its affordability, beautiful surroundings, and welcoming atmosphere, Payne Springs is more than just a place to live; it’s a place to call home. Discover the possibilities that await you in this enchanting Texas town, where your dream home under $700,000 is just waiting to be found. Come and experience the charm of Payne Springs today!

Newest Payne Springs Homes under $700,000

$185,000

4 Beds ⋅ 2 Baths ⋅ 21409886 MLS

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.

303 Whispering Oaks Trl, Payne Springs

$199,000

3 Beds ⋅ 2 Baths ⋅ 21376724 MLS

Opportunity awaits at 110 Hidalgo Loop! This 3-bedroom, 2-bath home sits on two lots, offering plenty of space to make it your own. The property features a 2-car garage, a functional floor plan, and room to bring your ideas to life. Located near the lake in a subdivision with access to a community boat ramp, you'll have the opportunity to enjoy lake days just minutes from home. Whether you're searching for a full-time residence, weekend getaway, or investment opportunity, this property offers plenty of possibilities and is ready for its next chapter!

110 Hidalgo Loop, Payne Springs

$325,000

2 Beds ⋅ 2 Baths ⋅ 21372302 MLS

Space, Functionality & Country Living in a Convenient Location! From the moment you step inside, you’ll appreciate the generously sized rooms and open-concept layout designed for comfortable everyday living and entertaining. This well-maintained home offers spacious bedrooms with walk-in closets, along with abundant storage throughout to keep everything organized and within reach. The screened-in back porch provides the perfect spot to relax, unwind, and enjoy the peaceful outdoor setting. Outside, the property continues to impress with a two-car carport, barn, storage container, and storm shelter—providing plenty of space for vehicles, equipment, hobbies, and additional storage. A gated entrance and fully fenced property add both privacy and functionality. Conveniently situated with frontage directly on Farm to Market Road 316, the property offers easy access to surrounding communities and everyday amenities. With spacious living areas, exceptional storage, versatile outbuildings, and plenty of room to spread out, this property offers the space and functionality you’ve been looking for!

6031 Fm 316, Payne Springs

$320,000

3 Beds ⋅ 3 Baths ⋅ 21365721 MLS

Welcome to 170 Sierra Madre, a beautifully designed 2024 built contemporary home offering approximately 2,000 sq. ft., 3 bedrooms, and 2.5 baths. Step inside to an inviting open concept layout filled with stylish details, including hardwood floors, designer lighting, quartz countertops, soft-close cabinetry, a generous kitchen island, and walk-in pantry perfect for both everyday living and entertaining. Upstairs, the spacious primary suite offers a relaxing retreat with dual sinks, an ensuite bath, and walk-in closet. Outside, enjoy a privacy fenced yard, 2 car garage, and peaceful lake views. The real bonus? Del Mar residents enjoy access to a private boat ramp, fishing pier, park, and pavilion on Cedar Creek Lake. Spend your weekends boating, fishing, or simply taking in the water views all while enjoying the comfort of a modern home just minutes from the lake.

170 Sierra Madre St, Payne Springs

$149,000

4 Beds ⋅ 1 Baths ⋅ 21365885 MLS

INVESTORS,,,If your looking for a fix and flip then this might be for you. The house has good bones but does need work. One of the rooms is a good spot to add another bathroom so it would be a three bedroom 2 bath if you chose to do that. The house appears to need a little leveling and it sets on a nice almost half an acre lot. There is no survey and sellers will not do any repairs. Sellers will look at all offers.

121 Dardenwood Way, Payne Springs

$299,900

3 Beds ⋅ 3 Baths ⋅ 21347215 MLS

Move-in ready and thoughtfully built with quality craftsmanship, this custom new construction home offers 3 bedrooms, 2.5 bathrooms, and 1,692 square feet of well-designed living space. Every detail was carefully selected to create a home that is both functional and timeless. The open-concept floor plan is highlighted by soaring vaulted ceilings, abundant natural light, and modern decorative lighting throughout. The kitchen is designed for both everyday living and entertaining, featuring custom cabinetry, a spacious walk-in pantry, generous prep space, and a full suite of stainless steel appliances that convey with the home. The private primary suite offers vaulted ceilings, a spa-inspired ensuite bath, and an oversized walk-in closet with exceptional storage. Custom cabinetry continues throughout every bathroom, adding a cohesive, elevated finish to the home. Additional features include a dedicated laundry room with full-size washer and dryer hookups, a convenient half bath for guests, a smart thermostat, and quality finishes throughout. Located just minutes from Cedar Creek Lake, you'll enjoy easy access to boating, fishing, waterfront dining, and outdoor recreation while still being close to everyday conveniences. If you're looking for a custom-built home that combines thoughtful design, modern finishes, and true move-in-ready convenience, this home is one you won't want to miss!

113 Nina St, Payne Springs

$259,900

3 Beds ⋅ 2 Baths ⋅ 21315263 MLS

STOP SCROLLING... Lake views, new construction, and an unbeatable price! If you've been dreaming of the lake lifestyle without the waterfront price tag, this is the home you've been waiting for. Enjoy beautiful lake views from your backyard while living in a community that offers **private lake access and a private boat ramp** exclusively for residents. Picture yourself starting the day with peaceful water views, spending weekends boating or fishing, and coming home to a brand new home designed with modern finishes, quality craftsmanship, and an open concept layout that's perfect for entertaining or everyday living. The builder is putting the finishing touches on the home, including completing the grass, and can also install a fence upon request so you can personalize your outdoor space. Homes that combine NEW construction, lake views, community lake access, and an incredible price are incredibly hard to find. Whether you're searching for your forever home, a weekend retreat, or an investment opportunity, this one is sure to impress. Schedule your private showing today and experience why this hidden gem won't stay on the market for long!

134 Sierra Madre St, Payne Springs

$249,900

3 Beds ⋅ 2 Baths ⋅ 21280612 MLS

Recently renovated, move-in ready! Beautiful lake view, channel front home, Del Mar subdivision in Payne Springs. Remote, quiet, wooded, deed restricted, LOW POA fees. Recently repaved asphalt streets. Well maintained and locked POA boat launch 500’ away on same street. LARGE 60x251x90x185 (.3 acre) lot. Long aggregate driveway, ample front parking space. Two-car detached, heavy-duty steel carport with electric outlet and motion sensor lights. Decorative flagstone walk up. Attractive landscaping. Wooden deck front porch with waist high handrails, solar lighting on posts. Large, 400’ sq. Ft. plus, wooden split-level rear deck with steel roof, red iron frame, multiple GFC electrical outlets, two new ceiling fans, and lighting. Double lofted storage shed with internal lighting and outlet, as well as external motion lights, in back yard, recently painted. Raised hearth, natural stone surround, wood burning fireplace insert. Granite countertops in large, open kitchen. Spacious primary bedroom and closet. Dark walnut color wood flooring in all non-carpeted areas. Three corner under cabinet “lazy susan” style layered shelves for maximized storage. Outstanding investment opportunity for short term rentals! Owner will consider carry. Buyer and buyers agents to confirm short term rental eligibility, seller makes no representation thereof.

124 Armada Loop, Payne Springs

$649,950

3 Beds ⋅ 2 Baths ⋅ 21278477 MLS

TURN-KEY CEDAR CREEK LAKE INVESTMENT Rare opportunity to own a fully operational, income-producing waterfront retreat just one hour southeast of Dallas. This established Airbnb has three years of rental history, a 4.74-star guest rating, and Superhost status that transfers to the new owner. Step in and start earning from day one. Set on a huge, flat double lot in the desirable Del Mar subdivision, the property offers two separate dwellings: a 2-bedroom, 1-bath main home with fully equipped kitchen and cozy lake-view living area, plus a detached guest house studio with full bath and kitchenette, perfect for hosting extended family, accommodating larger guest groups, or capturing premium rental rates with private accommodations for up to 12. WATERFRONT FEATURES that set this property apart: private boat dock with lift for effortless launching, a community boat ramp located right next door for unmatched water access, expansive deck with stunning Cedar Creek Lake views, and a tucked-away cove location that delivers the peace and tranquility today's lake buyers are searching for. The double lot provides rare flexibility with room for outdoor entertaining, future expansion, RV or boat storage, or simply unobstructed space to enjoy lake living. Del Mar residents enjoy POA access to a community park, pavilion, and private boat ramp with fishing pier. FURNISHINGS AND BOAT WITH TRAILER NEGOTIABLE! The seller is open to packaging the home as a true lake life turnkey opportunity, including high-end touches already in place (Moccamaster coffee maker, 600 thread count linens, feather duvets, record player, Bluetooth speakers, fully stocked kitchens, family-friendly amenities). Bring your suitcase, take over the booking calendar, and start enjoying immediate cash flow. Cedar Creek is Texas's fourth-largest lake with 320 miles of shoreline, world-class bass and catfish fishing, and easy access via US-175. Showings require advance notice to work around active bookings.

170 Armada Loop, Payne Springs

$699,000

4 Beds ⋅ 2 Baths ⋅ 21230704 MLS

Whet Your Appetite!!!! Fully furnished 4-2-2 plus 2 living areas, sleeps up to 13 people! A lot for your bucks! Split level home with a beautiful wall of windows looking out into the soul of Cedar Creek Lake. Take a look at this one for all of your summer's needs! Boats and jet ski are available upon separate agreement. This one is truly turn-key ready....just bring your summer beverages and your toothbrush and start having some fun! There is also a storm shelter on front side of house for the somewhat scary moments.

256 Whispering Oaks Trl, Payne Springs

$180,000

3 Beds ⋅ 2 Baths ⋅ 21229594 MLS

Price reduced, buyers motivated to sell. Your gain on this wonderful property. Welcome to this charming, modular home nestled on 2 beautiful acres, this home offers the perfect blend of peaceful country living and everyday convenience. Featuring a spacious layout with 2 comfortable living areas, this home provides plenty of room to relax and entertain. Enjoy the open outdoor space with endless possibilities for gardening, recreation, animals, or future improvements. A detached garage adds valuable storage and workspace, ideal for vehicles, hobbies, or equipment. He has enclosed a private studio in back of garage with private access. Entrance to property has a wi-fi compatible electric gate. Back of property has a solar paneled outbuilding. This Home will go FHA. Homes AC Unit is not working. They have put in window units.

9416 Manning Ranch Rd, Payne Springs

$244,500

3 Beds ⋅ 2 Baths ⋅ 21205353 MLS

QUALITY NEW CONSTRUCTION. THIS 3 BEDROOM, 2 BATH, 2 CAR GARAGE HOME HAS OPEN DESIGN WITH BEAUTIFUL CERAMIC WOOD TILE THROUGHOUT. PRETTY KITCHEN WITH CUSTOM CABINETS, STAINLESS APPLIANCES AND QUARTZ COUNTERTOPS. MASTER HAS LARGE WALK-IN CLOSET AND MASTER BATH HAS DEEP SOAKING TUB. BACKYARD IS PRIVACY FENCED. LOCATED IN A WATERFRONT AREA WITH BOAT LAUNCH AND IS IN MABANK ISD. ONE YEAR BUILDERS WARRANTY AND TEN YEAR BONDED BUILDER WARRANTY.

114 Granada St, Payne Springs

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Listings provided by North Texas Real Estate Information Systems (NTREIS). Listing data has been deemed reliable but is not guaranteed to be accurate by the MLS.

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