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Jeannette Spinelli

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

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537 Lower Elgin Rd , Elgin, TX 78621
$425,000
Est. Payment: $2,339.27/mo
3 Bed
2 Bath
1600 Sqft
0.59 Acres
Status: active | Days on site: 61
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Agent profile image
Jeannette Spinelli
Broker Associate & Founder

House Description

USDA-ELIGIBLE AREA • NO HOA • 0.59 ACRES • BUILT 2023 NEW PRICE! Looking for the newer-home feel without the typical subdivision lifestyle? Built in 2023, this 3-bedroom, 2-bath home offers approximately 1,600 sq. ft. with an open-concept living, dining and kitchen area centered around a spacious island. The split-bedroom floor plan provides added privacy, with the primary suite separated from the two secondary bedrooms. Step outside to enjoy 0.59 acres of usable outdoor space, a covered patio and a large, like-new permanently affixed storage/workshop building. Private well and aerobic septic add to the property’s country-living appeal. Enjoy the flexibility of NO HOA and more than half an acre of space to make your own. Located in a USDA-eligible area; qualified buyers may be eligible for 100% financing, PLUS seller is offering up to $5,000 toward allowable buyer closing costs, prepaids and/or rate buydown with an acceptable offer. Buyer and property eligibility, loan approval and program requirements apply.

Highlights

Listed by Tammy Harmon , 512-796-5625 eXp Realty - Austin , 888-519-7431. Central Texas MLS

Property Type

Residential

Lot/Acreage
0.59

Year Built

2022

County

Bastrop

Neighborhood

Lower Elgin Road

School District

Elgin ISD

Listing ID

619070

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dishwasher, Gas Cooktop, Cooktop, Microwave
Air Cond:Central Air,1 Unit
Fireplaces:
Floor:Ceramic Tile,Laminate
Other:
  • ▪ Additional:Ceiling Fan(s), Double Vanity, Garden Tub/Roman Tub, Primary Downstairs, Main Level Primary, Separate Shower, Eat-in Kitchen, Kitchen Island

Exterior Features

Roof:Composition,Shingle
Others:
  • ▪ Additional:See Remarks
Sewer:Not Connected (at lot),Public Sewer
Principal Interest
$2,339
Taxes
$271

Home Price

$425,000

Loan Details

30 yrs
7.336%

Down Payment

20%
$85,000
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:
$2,339.27

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,339.27 $270.94 $0.00 $2,610.20
Yearly $28,071.18 $3,251.25 $0.00 $31,322.43
Total $842,135.41 $97,537.50 $0.00 $939,672.91

Today's Rates

30 Year

7.34%

20 Year

7.18%

15 Year

6.74%

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

Information provided by Central Texas MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-15T17:04:48.000Z

© 2026 Central Texas MLS