States · Texas · Cedar Creek Lake

Cedar Creek Lake

DFW's weekend lake. 32,873 acres on Cedar Creek, a Trinity River tributary, in Henderson and Kaufman counties -- 55 miles and about 70 minutes from downtown Dallas on US-175. The Tarrant Regional Water District has owned and operated it since its completion in 1965, and unlike the USACE reservoirs of North Texas, TRWD allows private boathouses on Cedar Creek Lake. That single fact shapes everything about the market: private docks are common here, the permit process runs through TRWD rather than the Corps, and the dock you buy transfers with the property under a different set of rules than Lewisville or Grapevine.

Operator:Tarrant Regional Water District (TRWD)
Size
32,873 acres / 220+ miles shoreline
Operator
Tarrant Regional Water District (TRWD)
Counties
Henderson & Kaufman
Max Depth
53 feet
Completed
1965 (Cedar Creek, Trinity River tributary)
Private Docks
PERMITTED under TRWD improvement permit
Conservation
322 ft MSL (flood easement to 325 ft)
Dallas Distance
~55 miles / ~60-75 min
Data Verified
July 2026
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The Lake at a Glance

Cedar Creek Lake was completed in 1965 by the Tarrant Regional Water District as a water supply reservoir for Fort Worth and surrounding North Texas communities. At 32,873 acres with over 220 miles of shoreline, it is one of the largest lakes in Texas by surface area and one of the most active residential lake real estate markets in the state, with typically 1,200 or more active listings at any given time. The lake straddles Henderson and Kaufman counties, and understanding which county your property sits in matters significantly for property tax, school district, and which appraisal district handles your exemption filings.

The most important distinction between Cedar Creek Lake and the major DFW reservoirs to the north -- Lewisville, Grapevine, and Eagle Mountain -- is that TRWD allows private boathouses. New boathouse construction is permitted under the TRWD Residential Improvement Permit process. Existing boathouses transfer with properties through the same permit system. Private waterfront improvements are common and expected on Cedar Creek Lake in a way they cannot be on USACE-managed reservoirs. This shapes the entire market: buyers expect docks, listings market docks, and boathouse access is not the exotic premium it is at Lewisville Lake.

The North-South Water Clarity Split

One of Cedar Creek Lake's most important buyer-facing characteristics is not uniformly distributed across the lake. The southern end of the reservoir -- nearest to the Malakoff dam area and the lower reaches of Cedar Creek -- has significantly clearer water than the northern portions where Cedar Creek and its tributaries enter the lake. TPWD specifically notes that largemouth bass angling is best in the lower end of the reservoir where the water is clearer. This is not a minor aesthetic distinction. Buyers who want the best fishing, the best swimming visibility, and the closest approximation to a Hill Country lake character should focus their search on properties in the Malakoff, Trinidad, Star Harbor, and southern Tool areas. Buyers who prioritize amenity access -- restaurants, grocery, services -- should look at the east shore communities of Gun Barrel City, Mabank, and Payne Springs, where the water is more stained but the convenience is much higher.

Everything We Cover on Cedar Creek Lake

22 pages of independent research -- dock permits, two-county tax math, East Texas lake character, and buyer guides.

Money & Costs

The Real Cost of Living on Cedar Creek Lake

All-in annual costs -- property tax, boathouse permit, insurance, and the two-county confusion.

Property Tax on Cedar Creek Lake

Henderson vs. Kaufman County rates, school district math, and the homestead exemption.

Lakefront Insurance on Cedar Creek Lake

East Texas hail corridor, flood easement exposure, and boathouse rider reality.

Dock & Shoreline

Dock Permits: How the TRWD Process Works

Private boathouses ARE allowed here -- here is the permit process, the flood easement, and what transfers at sale.

Water Levels & TRWD Management

Conservation pool at 322 ft, flood easement to 325 ft, and what drought looks like on this lake.

Local Guidance

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Buying & Ownership

Buying on Cedar Creek Lake: What Can Go Wrong

Two-county due diligence, TRWD permit verification, Henderson vs. Kaufman tax confirmation.

What Nobody Tells You About Cedar Creek Lake

No bathrooms in boathouses. The south end is clearer than the north. Septic is common outside Gun Barrel City.

Short-Term Rental Rules on Cedar Creek Lake

No WORD-equivalent district. Henderson and Kaufman County rules, city ordinances by town.

Vacation Rental & Investment Guide

DFW's weekend escape lake with active STR demand. The full investor picture.

Lifestyle & Living

Retiring on Cedar Creek Lake

55 miles from Dallas, no state income tax, sub-$300K lake homes still exist. The retirement case.

Seasonal Recreation on Cedar Creek Lake

Largemouth bass dominate spring. Crappie in winter. Fall is DFW's secret East Texas lake season.

Boating on Cedar Creek Lake

8 marinas, private boathouses common, 32,873 acres, East Texas lake character explained.

Cedar Creek Lake Boating Culture

How this East Texas lake feels different from DFW metro reservoirs -- and what draws its buyers.

Fishing on Cedar Creek Lake

Largemouth bass 67% of angling effort, lake record 14.65 lbs. Crappie stable. Hybrids stocked. Full guide.

Community & Lifestyle on Cedar Creek Lake

Gun Barrel City, Mabank, Seven Points -- three shores, three characters. Which one fits.

Schools, Healthcare & Commute

Mabank ISD, Eustace ISD, UT Health Athens 37 min, Dallas 55 miles. The practical picture.

Year-Round Living on Cedar Creek Lake

DFW's closest major East Texas lake -- year-round or weekend, here is what full-time life looks like.

Neighborhoods, Dining & Activities

Cedar Creek Lake Neighborhoods: Shore by Shore

Malakoff south shore has the clearest water and best bass. Gun Barrel City east shore has the most services and boathouses. Which shore determines your lake life.

Things to Do at Cedar Creek Lake

Thunder Over Cedar Creek Airshow -- thousands by boat. Cedar Creek Brewery. Purtis Creek State Park 20 min. The activity guide buyers use before they close.

Dining at Cedar Creek Lake

Vernon's Lakeside is boat-accessible. The Dock in Malakoff requires reservations. Cedar Creek Brewery allows leashed dogs. The restaurant map for Cedar Creek buyers.

Cedar Creek Lake Boathouse Costs

New TRWD-permitted boathouse: $40K–$80K, 3–6 weeks to build. An aging structure at purchase needs a $500–$1,500 inspection. The full cost breakdown.

Comparisons & Buyer Origins

Cedar Creek Lake vs. Lake Palestine

Two East Texas TRWD/UNRMWA lakes -- dock permits, distance from Dallas, and fishing quality compared.

Cedar Creek Lake vs. Lake Fork

Lake Fork has trophy bass and strict slot limits. Cedar Creek has more listings and private docks. The choice.

Cedar Creek Lake vs. Lewisville Lake

Cedar Creek allows private docks. Lewisville does not. 55 miles from Dallas vs 25 miles. The full comparison.

Moving from Dallas to Cedar Creek Lake

55 miles, 60-75 min on US-175. No state income tax -- but Henderson County property tax and the two-county math.

Moving from Fort Worth to Cedar Creek Lake

TRWD built Cedar Creek for Fort Worth water supply. Now Fort Worth buyers move to it. 70 miles on I-20/US-175. The honest move guide.

Cedar Creek Lake vs. Richland Chambers Reservoir

Both TRWD boathouse lakes. Richland Chambers: 75 mi south, larger. Cedar Creek: 55 mi east, clearer water, 1,244 listings. The full comparison.

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