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Jeannette Spinelli

Broker Associate & Founder | Spinelli Residential Group | KW - Austin Portfolio Real Estate

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1348 Live Oak Rdg , Bandera, TX 78003
$865,000
Est. Payment: $4,436.44/mo
3 Bed
2.5 Bath
2427 Sqft
Status: active | Days on site: 9
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Jeannette Spinelli
Broker Associate & Founder

House Description

Authentic Texas home with live water on 7.14 acres, in the Bandera Hill Country, ideally located halfway between Bandera and Kerrville. This move-in-ready 3-bedroom, 2.5-bath home blends country living with practical amenities, breathtaking views, and exceptional functionality. There are 2 bee hives on the property. 2026 is year five of the program making the AG EXEMPT status effective on January 1, 2027. Mason Creek borders the back of the property, where the land gently slopes toward the water and opens to spectacular long distance views. Majestic century oaks grace the property, with moss carefully removed from the trees halfway down the slope toward the creek. The perimeter is fully fenced, while the area surrounding the home is high-fenced, allowing gardens and landscaping to flourish without interference from deer. Horses are allowed and there is no HOA. Features of the home include warm knotty-pine tongue-and-groove paneling and accents, abundant natural light, stained concrete floors downstairs, and beautiful hardwood floors upstairs. A double-sided, floor-to-ceiling wood-burning fireplace serves both the living and dining areas while the blue-and-white peninsula kitchen enhances country charm. The kitchen includes a dining area, two large pantries, extensive built-in cabinetry and shelving, and even a charming old-fashioned ironing-board nook. The home's split-primary layout offers one primary bedroom upstairs and another downstairs. The upstairs primary suite includes an adjoining bonus room perfect for crafts, sewing, homeschooling, a media room, or an additional bedroom. Downstairs primary has an ensuite bath, storage, stall shower and bathtub, and a window seat. 2 HVAC Heat Pump systems provide zonced comfort up and down. Enjoy the outdoors from the screened sitting porch and adjoining deck, complete with distinctive wagon-wheel accents that lead to an oversized attached two-car garage. This property is exceptionally well equipped and has been vigorously maintained. A 20,000-gallon water storage tank currently supplies the home and yard, complemented by a private water well with a convenient valve in the pump house that allows for an easy change between rainwater catchment and well water. Solar panels are paid in full, connected through Bandera Electric, and send power back to the grid for bill credits-helping maintain low electric bills. A whole-house generator provides peace of mind during power outages while the durable sheet-metal roof is built for the long haul. Additional improvements include a workshop currently used as a music room, complete with portable A/C, dehumidifier, and spray-foam insulation. All outbuildings are foam insulated. There is a chicken coop and an additional animal enclosure built onto the well pump houses, along with birdhouses throughout the property. From the creekside views and century oaks to the wood-burning fireplaces, solar power, water independence, and comfortable interior, this exceptional property offers a rare opportunity to embrace luxury country living with authentic Texas Hill Country character. A peaceful retreat, working acreage, and a welcoming home in one remarkable setting. About an hour to San Antonio International Airport. 15 minutes to Bandera or Kerrville. Come on out and see for yourself. (Drawn boundaries are approximate)

Highlights

Listed by Lanette Pennell , (210) 844-8549 Keller Williams Bandera , (210) 844-8549. LERA MLS - Local Expertise Regional Access mls logo

Property Type

Residential

Lot/Acreage
7.14

Year Built

1996

County

Bandera

Area

3100

Neighborhood

Mason Creek Estates

School District

Bandera Isd

Listing ID

2011218

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Ice Maker Connection, Water Softener (owned), Vent Fan, Smoke Alarm, Electric Water Heater, Smooth Cooktop, Custom Cabinets, Central Distribution Plumbing System, Private Garbage Service
Air Cond:Two Central,Heat Pump,Zoned
Fireplaces:
Floor:Wood,Stained Concrete
Other:
  • Additional:One Living Area, Eat-In Kitchen, Two Eating Areas, Breakfast Bar, Study/Library, Shop, 1st Floor Lvl/No Steps, Pull Down Storage, High Speed Internet, Laundry Lower Level, Laundry Room, Telephone, Walk in Closets, Attic - Partially Floored, Attic - Pull Down Stairs, Attic - Storage Only
Water:Water Catch

Exterior Features

Lot:Cul-de-Sac/Dead End,On Waterfront,County VIew,Horses Allowed,5 - 14 Acres,Ag Exempt,Partially Wooded,Mature Trees (ext feat),Secluded,Gently Rolling,Sloping,Level,Improved Water Front,Xeriscaped,Creek,Water Access
Roof:Metal
Others:
  • Additional:Patio Slab, Deck/Balcony, Storage Building/Shed, Has Gutters, Mature Trees, Wire Fence, Workshop, Cross Fenced, Ranch Fence, Screened Porch, Water Front Improved
Sewer:Private Well,Septic,Water Storage,Other
Parking Features:Two Car Garage,Attached,Side Entry,Oversized
Principal Interest
$4,436
Taxes
$692

Home Price

$865,000

Loan Details

30 yrs
6.637%

Down Payment

20%
$173,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,436.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,436.44 $692.39 $0.00 $5,128.83
Yearly $53,237.33 $8,308.62 $0.00 $61,545.95
Total $1,597,119.82 $249,258.60 $0.00 $1,846,378.42

Today's Rates

30 Year

6.64%

20 Year

6.43%

15 Year

5.99%

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Market insight data is pulled from the same city as the listing being viewed (Bandera, TX).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS.  The MLS may, at its discretion, require use of other disclaimers as necessary to protect participants and/or the MLS from liability.

IDX service by Blueroof 360

Data last updated: 2026-09-03T01:14:39.000Z

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