4315 S Congress Ave # 220, Austin TX 78745
Austin, TX 78745 · Congress Lofts Condos
Condominium for sale in Congress Lofts Condos
Overview
Property Description
PLEASE READ before requesting a tour - This is an income restricted affordable housing unit at Congress Lofts, subject to a recorded City of Austin Affordable Housing Covenant (Travis County Document No. 2025120613, 99 year term). This is not a traditional resale. Buyers must be certified by the City of Austin (AHFC) as an Eligible Buyer prior to purchase, with household income at or below 60% of the Austin Round Rock MSA median family income (adjusted for household size) and subject to asset limits. Resale price is capped by covenant formula (2% simple annual appreciation on the original purchase price, not market value), and the City of Austin holds a right of first refusal on any future sale. Buyer must occupy as their primary residence; the unit cannot be used as a rental or investment property. Buyers should review and begin the AHFC Income Eligibility Packet (attached in MLS) with their lender early, as approval is required before closing. Max income is around $59k for a single person and no more than $60k in assets (non retirement account) for a single person to qualify.
Financial Info
- Price
- $152,310
- $ / Sqft
- $285
- HOA
- Yes - Mandatory / $80 / Monthly
- HOA Name
- Congress Lofts Condominium Community, Inc.
- HOA Includes
- Common Area Maintenance
- Tax Rate
- 2.2%
- Est. Taxes
- $3,100
- Tax Year
- 2026
- Exemptions
- None
Legal Info
- Address
- 4315 S Congress Ave # 220
- County
- Travis
- City
- Austin
- State
- TX
- Zip
- 78745
- Subdivision
- Congress Lofts Condos
- Legal Description
- CONGRESS LOFTS CONDOMINIUMS UNT 220 PLUS 0.4488 % INT IN COM AREA
- Parcel
- 04120410300000
Interior Features
- Floor
- Vinyl
- Num Living
- 1
- Dining
- 0
- Appliances
- Dishwasher, Microwave, Range, RNGHD, Refrigerator, Free-Standing Refrigerator, Stainless Steel Appliance(s)
- Laundry
- Common Area
- Master Main
- Yes
- Interior Features
- Open Floorplan, Building Security, ENERGY STAR Qualified Windows
General Info
- Beds
- 1 Total / 1 Main Level
- Full / Half Baths
- 1 / 0
- Prop Type
- Residential
- Property Type
- Condominium
- Stories
- 1
- Year Built
- 2023 / Resale
- Square Feet
- 534 / Public Records
- Garage Desc
- Secured
- Foundation
- None
- Roof
- None
- Construction
- None
- Acres
- 0.01
- Lot Description
- None
- Restrictions
- See Remarks
- Flood Plain
- No
- View
- Pool
- Water Access
- No
- Waterfront
- No
- Area
- SWE
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Connected
- Heat
- Natural Gas
- A C
- ENERGY STAR Qualified Equipment
Exterior Features
- Fence
- None
- Exterior Features
- Balcony, Rear Porch
- Pool On Property
- Yes
- Area Amenities
- BBQ Pit/Grill, Playground, Pool
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Oct 19, 2026 | Active Under Contract | — | |
| Jul 14, 2026 | New Listing | — |
Taxes
TCAD account 986326
Uses rates from the supplied 2026 TCAD package. The file does not identify adopted or proposed status.
| Taxing Entity | Rate per $100 | Taxable Value | Estimated Tax |
|---|---|---|---|
| AUSTIN COMM COLL DIST | 0.103400 | $144,600 | $149.52 |
| AUSTIN ISD | 0.925200 | $9,600 | $88.82 |
| CITY OF AUSTIN | 0.524017 | $119,680 | $627.14 |
| TRAVIS COUNTY | 0.375845 | $119,680 | $449.81 |
| TRAVIS COUNTY HEALTHCARE DISTRICT | 0.118023 | $119,680 | $141.25 |
| Ordinary property tax estimate | 2.046485 | $1,456.54 |
Informational estimate, not a tax bill or taxes paid. Exemptions and tax ceilings can make taxes differ from the combined rate multiplied by one taxable value. PID assessments and other special charges are excluded; collector coverage has not been established.
Source: Travis County
- Owner
- KWON ETHAN S
- Legal
- CONGRESS LOFTS CONDOMINIUMS UNT 220 PLUS 0.4111 % INT IN COM AREA
- Geo ID
- prop:986326
- Acreage
- 0.01
- Exemption Type
- None on record
- MLS estimated annual taxes
- $3,100
- MLS tax year
- 2026
Annual taxes billed are the Tax Imposed amounts reported in the latest available Travis Tax Office statement. Exemptions and tax ceilings may prevent combined rate × taxable value from equaling the billed amount. Other collectors or assessments may not be included.
| Year | Appraised Value | Combined Rate per $100 | Annual Taxes Billed |
|---|---|---|---|
| 2025 | $110,775 | 2.046485 | $1,813.58 |
| 2024 | — | 1.981814 | $1,238.77 |
Combined rates exclude PID placeholder rates. Historical amounts reflect the statement’s snapshot and may change after later corrections; they do not describe payment status. Appraisal values come from the legacy CAD source.
Source: Travis County
Schools
School Info
- District
- Austin ISD
- Elementary
- Galindo
- Middle
- Bedichek
- High
- Travis
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$1,155 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $1,155
- Principal & interest
- $770
- Property taxes
- $258
- Homeowners insurance
- $127
*PITI only
These figures are estimates for general information only — not a loan offer, a quote, or a guarantee of financing terms.
| Year | Starting balance | Principal paid | Interest paid | Ending balance | Principal vs interest |
|---|---|---|---|---|---|
| 1 | $121,848 | $1,362 | $7,880 | $120,486 | |
| 2 | $120,486 | $1,453 | $7,789 | $119,033 | |
| 3 | $119,033 | $1,550 | $7,691 | $117,482 | |
| 4 | $117,482 | $1,654 | $7,588 | $115,828 | |
| 5 | $115,828 | $1,765 | $7,477 | $114,063 | |
| 6 | $114,063 | $1,883 | $7,359 | $112,180 | |
| 7 | $112,180 | $2,009 | $7,233 | $110,170 | |
| 8 | $110,170 | $2,144 | $7,098 | $108,026 | |
| 9 | $108,026 | $2,288 | $6,954 | $105,739 | |
| 10 | $105,739 | $2,441 | $6,801 | $103,298 |
- Year 1$120,486
- Principal paid
- $1,362
- Interest paid
- $7,880
- Starting balance
- $121,848
- Year 2$119,033
- Principal paid
- $1,453
- Interest paid
- $7,789
- Starting balance
- $120,486
- Year 3$117,482
- Principal paid
- $1,550
- Interest paid
- $7,691
- Starting balance
- $119,033
- Year 4$115,828
- Principal paid
- $1,654
- Interest paid
- $7,588
- Starting balance
- $117,482
- Year 5$114,063
- Principal paid
- $1,765
- Interest paid
- $7,477
- Starting balance
- $115,828
- Year 6$112,180
- Principal paid
- $1,883
- Interest paid
- $7,359
- Starting balance
- $114,063
- Year 7$110,170
- Principal paid
- $2,009
- Interest paid
- $7,233
- Starting balance
- $112,180
- Year 8$108,026
- Principal paid
- $2,144
- Interest paid
- $7,098
- Starting balance
- $110,170
- Year 9$105,739
- Principal paid
- $2,288
- Interest paid
- $6,954
- Starting balance
- $108,026
- Year 10$103,298
- Principal paid
- $2,441
- Interest paid
- $6,801
- Starting balance
- $105,739
Nearby
12 closest listings to 4315 S Congress Ave # 220, Austin TX 78745 (within 2 miles).
Courtesy of Sprout Realty · (512) 770-6526
Listings courtesy of ACTRIS as distributed by MLS GRID.