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Jeannette Spinelli

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

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136 Copper Ln , Kyle, TX 78640
$470,000
Est. Payment: $2,360.28/mo
4 Bed
3 Bath
2466 Sqft
Status: active with contingency | Days on site: 60
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Jeannette Spinelli
Broker Associate & Founder
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House Description

HOMEOWNER TO HOMEOWNER FINANCING - BELOW-MARKET Interest Rate 4.5% - ONLY 4.5% DOWN! Own this 4-bed, 2.5-bath, 2,466 sq ft home in Cool Springs, Kyle with just ~4.5% down (~$21,150). Not lease-to-own - true ownership with title at closing. Fixed $3,500/mo (taxes & insurance incl., HOA separate) at a rate lower than today's banks. 27-year loan from homeowner - no bank approval needed. Fast close, simple qualification based on income, not credit score. No SSN required, ITIN welcome, no bank verification. Built 2019 with 3-car garage, granite kitchen, flex office space, multiple living areas, and fenced yard with storage shed. Minutes to I-35, shopping, San Marcos & Austin. Rare terms - act fast! Also eligible for a 4% VA Assumable loan. Financiamiento de Dueno a Dueno – No necesita banco! Solo 4.5% de enganche (~$21,150). Propiedad de 4 recamaras, 2.5 banos, con 2,466 pies, construida en 2019 con cochera 3 autos, cocina con isla de granito y patio trasero con bodega. No es renta con opcion a compra – usted recibe el titulo en el cierre. Pago fijo de $3,500/mes (impuestos y seguro incluidos; HOA por separado) con tasa mas baja que los bancos. Prestamo de 27 anos directo del dueno — sin aprobacion bancaria. Cierre rapido, calificacion sencilla, ITIN aceptado, sin verificacion bancaria.
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Highlights

Listed by Serina Jones , (512) 568-5212 All City Real Estate Ltd. Co , (866) 277-6005. Austin MLS mls logo

Property Type

Residential
Lot/Acreage
0.21

HOA Fee

55 Monthly

Year Built

2019

County

Hays

Area

HH

 Neighborhood

Cool Spgs Ph 1

 School District

HaysCONSISD

Listing ID

4496393

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Gas Oven, Built-In Gas Range, Dryer, Dishwasher, Exhaust Fan, Gas Cooktop, Disposal, Gas Range, Microwave, Oven, Water Purifier Owned, Plumbed For Ice Maker, Refrigerator, Water Softener Owned, Stainless Steel Appliance(s), Washer
Floor:Carpet,Tile,Vinyl
Other:Ceiling Fan(s),Double Vanity,Granite Counters,Kitchen Island,Multiple Living Areas,Main Level Primary,Open Floorplan,Recessed Lighting,Storage,Smart Home,Soaking Tub,Wired for Data,Walk-In Closet(s)
Other:Public

Exterior Features

Lot:Back Yard,Front Yard,Sprinklers In Rear,Sprinklers In Front,Interior Lot,Landscaped,Level,Sprinkler - Rain Sensor,Sprinklers Automatic,Sprinklers In Ground,Sprinklers On Side,Few Trees,Trees Medium Size
Roof:Shingle
Others:Private Yard,See Remarks,Resale
Sewer:Public Sewer
Parking Features:Door-Multi,Door-Single,Driveway,Garage Faces Front,Garage,Garage Door Opener,Kitchen Level
Principal Interest
$2,360
Taxes
$760
HOA
$55

Home Price

$470,000

Loan Details

30 yrs
6.434%

Down Payment

20%
$94,000
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:
$2,360.28

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,360.28 $760.48 $55.00 $3,175.76
Yearly $28,323.35 $9,125.74 $660.00 $38,109.09
Total $849,700.46 $273,772.20 $19,800.00 $1,143,272.66

Today's Rates

30 Year

6.43%

20 Year

6.23%

15 Year

5.8%

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

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Spinelli Residential Group | KW - Austin Portfolio Real Estate nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Austin MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-07-17T09:02:04.000Z

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