Joanna Ruesch

205 Oak Creek Drive

Tool, TX
$ 1,765,000 Beds 5 Baths 5.5 Sq 4,488 Virtual Tour
Monthly Estimate* How much can I afford?

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.

Active

  • Price
  • $ 1,765,000
  • City
  • Tool
  • Bedrooms
  • 5
  • Full Bathrooms
  • 5
  • County
  • HENDERSON
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 0.52 Acres
  • Zip
  • 75143
  • Sqr Footage
  • 4,488
  • Year Built
  • 2021
  • Style
  • Modern Farmhouse,Traditional
  • MLS#
  • 21195224
Listed By: Rustin James Smith
Data Source: North Texas Real Estate Info Systems (NTREIS)

Features

General

Heating Central,Electric,Zoned
Cooling Central Air,Electric,Zoned
Utilities All Weather Road,Asphalt,MUD Sewer,MUD Water,Underground Utilities
Possession Closing/Funding
Roof Composition
Appliances Dishwasher,Disposal,Electric Oven,Electric Range,Gas Cooktop,Microwave,Refrigerator,Tankless Water Heater
Assoc Fees 120
Number of Garage Spaces 3
School District Mabank ISD
Year Built 2021
Architectural Style Modern Farmhouse,Traditional
Levels Two
Will Subdivide No
Property Subtype Single Family Residence
Subdivision Name Arnold Hills
Transaction Type For Sale
County Henderson
Property Type Residential
Security Features Security System
Association Fee Frequency Annually
Year Built Details Preowned
HOA Type Voluntary
Special Notes Aerial Photo,Survey Available
Full Baths 5
Status Active
Directions Left on Arnold Hills Rd,Left at 4 way
City Tool
Elementary School Name Lakeview
High School Mabank
Elementary School Lakeview
Virtual Tour URL Unbranded https://www.propertypanorama.com/instaview/ntreis/21195224
Standard Status Active
Listing Terms Cash,Conventional

Interior Features

Interior Features Built-in Wine Cooler,Decorative Lighting,Dry Bar,Eat-in Kitchen,Flat Screen Wiring,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
Flooring Carpet,Ceramic Tile
Fireplace Features Gas,Gas Logs,Gas Starter,Insert,Outside,Wood Burning
Fireplaces Total 2
Dining Areas 1
Living Areas 2
Room Count 2
Half Baths 1
Lock Box Type Combo
Total Bedrooms 5
Total Baths 6

Exterior Features

Waterfront Yes
Exterior Features Attached Grill,Boat Slip,Built-in Barbecue,Covered Deck,Covered Patio/Porch,Dock,Rain Gutters,Lighting,Outdoor Grill,Outdoor Living Center
Lot Features Landscaped,Many Trees,Sprinkler System,Water/Lake View,Waterfront
Fencing Metal
Parking Features Additional Parking,Attached Carport,Circular Driveway,Garage,Garage Faces Front,Golf Cart Garage
WaterFront Features Dock – Covered,Lake Front,Personal Watercraft Lift,Retaining Wall – Steel
Lot Size .5 to < 1 Acre
Covered Spaces 3
Foundation Combination
Lot Size Area 0.5200
Lot Size Units Acres
Structural Style Lake House,Single Detached,Vacation Home
Garage Y/N Yes
Lot Size Square Feet 22651.2000
Lot Size Acres 0.5200
Patio And Porch Features Front Porch,Rear Porch,Wrap Around
Attached Garage Y/N Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Waco, TX office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Lakeview Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

3/6/2026 Listed $1,995,000
6/4/2026 8% - $1,850,000
7/25/2026 5% - $1,765,000

Property vs Zip Code Average in 75143

Price
AVG $630K
$1.77M
Year Built
AVG 1997
2021
Visits
AVG 203
401
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

205 Oak Creek Drive Tool, TX is a Single Family Home for sale at $1765000 with 4488 sqft and a lot size of 0.52 Acres Acre(s). 205 Oak Creek Drive Tool has 5 bedrooms, 5 baths and was built in 2021. The property's zip code is 75143 which is in Tool, TX

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Joanna Ruesch

Joanna Ruesch

830-515-6166

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