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$855,502

NAL Estimated Property Value

195 Pam Drive, Chico, TX, 76431

$952,190 ARVInfo
Off MarketInfo
Beds3 Beds
Baths3 Bath
Baths2,616 Sq Ft
Single Family ResidenceSingle Family Residence
price_per_sqft$339.83 / sqft
Year BuiltBuilt in 1994

Property Lead Type:

Off-Market ListAbsentee OwnerHigh Equity

Highlights

Interior

Bedrooms 3Bedrooms 3
Bathrooms Full 2.5Bathrooms Full 2.5
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
CoolingCooling
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave
FlooringCarpet, Tile, Wood, Vinyl

Exterior

Exterior FeaturesBoat Slip, Dock, Rain Gutters, Outdoor Shower
Lot Size16,117 sqft

Building Information

Year Built1994
Stories1
Roof Type158
Garage Spaces1

Land Information

APNR0600.0112.00
Lot Number12
SubdivisionEl Lago Estates
Land UseResidential
Legal DescriptionLOT 12 BLK 1 EL LAGO ESTATES
Census Tract150405
Assessed Land Value$220,000
Assessed Improvement Value$635,502
Assessment Year2025

About this property

Located on Lake Bridgeport is this Split-Level 3 bedroom, 2.5 bathroom lake house. The home's first level provides dual primary bedrooms and baths with access to the covered patio, lake access, and lake views. The 2nd level has an open-concept kitchen and living area, a beautiful wood-burning stove, and natural wood floors. The 4K projector and screen are perfect for lounging after a long day on the lake. The upstairs loft is on the 3rd level and can sleep 4, with extra room. The large decks boast a magnificent view, great grilling, and a great outside entertaining area. The two-story dock has a hydroHoist lift, outdoor shower, electric swim platform, led lights, and a minnow master live bait system. The homes open floor plan, spacious bedrooms, and large outdoor decks provide lots of space for family members or guests. This lake house is in one of the most desirable deep water coves on the lake. Don't miss out!

Investor Tools

Property Icon
$855,502
Estimated Property Value
$629,618Estimated Mortgage Balance
$225,884Estimated Equity
26% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
$952,190
Rent-to-Value Ratio: 0.72%
Rent Estimate
$5,334 /month
Positive
Cash Flow Estimate:
$1,778 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$1,083/month
No HOA
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
$8,718
$855,502
2025
$220,000
$635,502
$855,502
No

Tax History

Year
Tax Paid
Assessed Value
2024
$8,718
$855,502

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Jpmorgan Chase Bank Na
Conventional
$664,000
No
First
Aug 11, 2023
Sep 2053

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$629,618
$225,884
26%
74%
$3,982/mo

Learn About the Market: Opportunity in Texas

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Texas

Living in Texas means access to four of the nation’s most dynamic metro economies — Dallas–Fort Worth’s corporate and logistics powerhouse, Houston’s global energy and medical hub, Austin’s tech-driven and culturally iconic Live Music Capital of the World, and San Antonio’s historic yet steadily expanding military and healthcare center. The state blends economic scale with cultural significance, rooted in independence, entrepreneurship, and a strong sense of place — from Friday night football to world-renowned barbecue and music festivals. For homebuyers, Texas offers comparatively attainable housing, no personal income tax, and master-planned communities built around space and convenience; for investors, continued population growth, business relocation, and diversified industries create sustained demand across urban cores, suburbs, and emerging secondary markets.

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Population Growth

Population Growth

~1.3% annually

Net Migration

Net Migration

Positive

Median Home Price

Median Home Price

$283,800

Unemployment Rate

Unemployment Rate

4.3%

Price Trend

Price Trend

Flat

New Permits

New Permits

158,121

City: Chico

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195 Pam Drive | Property Details | No Agent List