521 Hilltop Drive

Tool, TX
$ 175,000 Beds 2 Baths 1 Sq 912 Virtual Tour
Monthly Estimate* How much can I afford?

NEW AC and HOT WATER HEATER to be installed for buyer before closing! This charming two-bedroom, one-bath home sits on two lots and is within walking distance of Cedar Creek Lake. Located in the quiet, established community of Cedar Crest Shores, the property offers a peaceful setting ideal for a weekend getaway or a full-time residence. The home features an open-concept layout, a spacious covered porch perfect for relaxing, fenced backyard, and covered parking. Enjoy tranquil lake-area views and a welcoming neighborhood atmosphere. This property also presents a fantastic opportunity as an investment rental or for a first-time homebuyer.

Active

  • Price
  • $ 175,000
  • City
  • Tool
  • Bedrooms
  • 2
  • Full Bathrooms
  • 1
  • County
  • HENDERSON
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.238 Acres
  • Zip
  • 75143
  • Sqr Footage
  • 912
  • Year Built
  • 1984
  • Taxes
  • $ 1294
  • Style
  • Single Family Residence
  • MLS#
  • 21301659
Listed By: Elsie Halbert Real Estate, LLC
Data Source: North Texas Real Estate Info Systems (NTREIS)

Features

General

Heating Central,Electric
Cooling Ceiling Fan(s),Central Air
Utilities City Water,Co-op Electric,MUD Sewer
Possession Closing/Funding
Roof Composition
Appliances Electric Range
Assoc Fees 40
School District Malakoff ISD
HOA Fee Includes Management Fees
Year Built 1984
Levels One
Unexempt Taxes 1294
Will Subdivide No
Property Subtype Single Family Residence
Subdivision Name Cedarcrest Shores Estate
Transaction Type For Sale
Carport Spaces 2
County Henderson
Property Type Residential
Association Fee Frequency Annually
Year Built Details Preowned
HOA Type Mandatory
Full Baths 1
Status Active
Directions From kemp turn right onto E 11at. in 300 ft turn right onto s elm st. in .7 miles turn right onto SH 274. in 11 miles turn left onto Cedarcrest drive. in 250 ft keep right onto ridge wood drive. in 7
City Tool
Elementary School Name Malakoff
High School Malakoff
Elementary School Malakoff
Virtual Tour URL Unbranded https://www.propertypanorama.com/instaview/ntreis/21301659
Standard Status Active
Listing Terms Cash,Conventional,FHA,VA Loan

Interior Features

Interior Features Eat-in Kitchen
Dining Areas 1
Living Areas 1
Room Count 3
Lock Box Type Combo
Total Bedrooms 2
Total Baths 1

Exterior Features

Lot Features Few Trees,Lrg. Backyard Grass
Fencing Back Yard,Chain Link
Parking Features Carport
Lot Size Less Than .5 Acre (not Zero)
Covered Spaces 2
Lot Size Area 0.2380
Lot Size Units Acres
Structural Style Single Detached
Lot Size Square Feet 10367.2800
Lot Size Acres 0.2380

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 Malakoff Elementary School
Middle School Unknown Middle School
High School

Price History

6/18/2026 Listed $185,000
7/15/2026 6% - $175,000

Property vs Zip Code Average in 75143

Price
AVG $640K
$180K
Taxes
AVG $6,311
$1,294
Year Built
AVG 1997
1984
Visits
AVG 213
203
Data Provided by Inside Real Estate®

Areas That We Cover

521 Hilltop Drive Tool, TX is a Single Family Home for sale at $175000 with 912 sqft and a lot size of 0.238 Acres Acre(s). 521 Hilltop Drive Tool has 2 bedrooms, 1 baths and was built in 1984. 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.