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Jeannette Spinelli

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

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12340 Saddle Up , San Antonio, TX 78254
$534,900
Est. Payment: $2,743.41/mo
4 Bed
3 Bath
2928 Sqft
Status: active | Days on site: 293
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Jeannette Spinelli, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Jeannette Spinelli
Broker Associate & Founder
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House Description

This house comes with a REDUCED RATE as low as 5.875 (APR 6.439) as of 08/25/2026 through List & LockTM. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. Stunning Highland Homes Single-Story with Exceptional Upgrades & Assumable VA Loan with a 2.25 rate! Welcome to this beautifully designed single-story home built by Highland Homes, offering an open and inviting floor plan perfect for both everyday living and entertaining. The heart of the home is the chef-inspired kitchen, featuring a large center island, custom cabinetry, and an upgraded refrigerator - ideal for hosting gatherings or enjoying casual meals with family. A dedicated media room provides the perfect space for movie nights, while the whole-house vacuum system and whole-house stereo system - including patio speakers - add convenience and luxury throughout. Relax and unwind outdoors with a hot tub and custom exterior lighting under the eaves, creating an inviting ambiance for evening entertaining. Additional premium features include a tankless water heater, epoxied garage floor, and a garage shelving and storage system designed to keep everything organized. Best of all, this home offers an assumable VA loan with an incredibly low interest rate, a rare opportunity for qualified buyers to save significantly on their mortgage. This property blends quality craftsmanship, modern upgrades, and thoughtful details - truly move-in ready! MOTIVATED SELLER
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Highlights

Listed by Duncan Elliott , (210) 799-7979 Phillips & Associates Realty , (210) 799-7979. LERA MLS - Local Expertise Regional Access mls logo

Property Type

Residential
Lot/Acreage
0.21

HOA Fee

495 Annually

Year Built

2019

County

Bexar

Area

0105

 Neighborhood

Davis Ranch

 School District

Northside

Listing ID

1913233

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Ceiling Fans, Chandelier, Central Vacuum, Washer Connection, Dryer Connection, Self-Cleaning Oven, Microwave Oven, Stove/Range, Gas Cooking, Refrigerator, Disposal, Dishwasher, Water Softener (owned), Vent Fan, Smoke Alarm, Pre-Wired for Security, Gas Water Heater, Plumb for Water Softener, Solid Counter Tops, Double Ovens, Custom Cabinets
Air Cond:One Central
Fireplaces:
Floor:Carpeting,Ceramic Tile,Wood
Other:
  • ▪ Additional:One Living Area, Separate Dining Room, Eat-In Kitchen, Island Kitchen, Walk-In Pantry, Study/Library, Media Room, Utility Room Inside, 1st Floor Lvl/No Steps, High Ceilings, Open Floor Plan, High Speed Internet, All Bedrooms Downstairs, Laundry Main Level, Walk in Closets
Water:SAWS

Exterior Features

Lot:Cul-de-Sac/Dead End,Level
Roof:Composition
Others:
  • ▪ Additional:Covered Patio, Bar-B-Que Pit/Grill, Gas Grill, Privacy Fence, Sprinkler System, Double Pane Windows, Has Gutters, Special Yard Lighting
Sewer:Water System,Sewer System,City
Parking Features:Two Car Garage,Attached
Principal Interest
$2,743
Taxes
$822
HOA
$495

Home Price

$534,900

Loan Details

30 yrs
6.637%

Down Payment

20%
$106,980
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:
$2,743.41

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,743.41 $821.58 $495.00 $4,060.00
Yearly $32,920.98 $9,859.00 $5,940.00 $48,719.98
Total $987,629.36 $295,770.00 $178,200.00 $1,461,599.36

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 (San Antonio, 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: 2026-09-03T05:09:42.000Z

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