6731 E Fm 1123, Belton TX 76513
Belton, TX 76513 · Summer's Mill
Single Family Residence for sale in Summer's Mill
Overview
Property Description
303 acres. Two rivers. Endless possibilities. Welcome to Summers Mill Ranch — 303 acres where two rivers meet and possibilities stretch as far as the Texas horizon. Set along 1.8 miles of combined frontage on the Lampasas River and Salado Creek, this remarkable property offers a rare blend of privacy, beauty, and opportunity. Towering oak trees, rolling pastures, fertile hay fields, and sparkling waterways create a landscape that feels worlds away, yet remains within easy reach of Austin, Dallas, and Houston. At the heart of the ranch, a nearly 6,000-square-foot custom home sits atop a scenic hill, capturing sweeping views in every direction. Designed for gathering and everyday living alike, the residence features multiple living spaces, a handsome wood-paneled study, formal dining, an oversized craft room, and a resort-style pool overlooking the countryside. Beyond the home, the land tells its own story. Cross-fenced pastures, extensive frontage along FM 1123 and Hickerson Road, and no city zoning provide flexibility for a wide range of future visions. Whether you imagine a private family retreat, equestrian property, working ranch, conservation haven, or a thoughtfully planned development, the canvas is already extraordinary. Just minutes from historic Salado and located within the sought-after Summers Mill area, this is the kind of property rarely available and difficult to replicate. A place where generations can gather, traditions can take root, and the next chapter can be written. Private showings by appointment only.
Financial Info
- Price
- $7,500,000
- $ / Sqft
- $1344
- HOA
- None
- Tax Rate
- 1.466%
- Est. Taxes
- $21,076
- Tax Year
- 2024
- Exemptions
- Agricultural
Legal Info
- Address
- 6731 E Fm 1123
- County
- Bell
- City
- Belton
- State
- TX
- Zip
- 76513
- Subdivision
- Summer's Mill
- Legal Description
- BEING A 303.545 ACRE TRACT OF LAND IN THE ANTONIO MENCHACA SURVEY, ABSTACT NO. 12, BELL COUNTY, TEXAS
- Parcel
- 6731 Fm 1123 Belton, TX 76534
Interior Features
- Floor
- Brick, Carpet, Marble, Tile, Wood
- Num Living
- 2
- Dining
- 2
- Kitchen
- Breakfast Bar, Granite Counters, Kitchen Island, Pantry
- Appliances
- Built-In Electric Oven, Cooktop, Dishwasher, Disposal, Electric Cooktop, Ice Maker, Microwave, Oven, Electric Oven, Double Oven, Refrigerator, Warming Drawer, Electric Water Heater, Wine Refrigerator
- Laundry
- Laundry Room, Main Level
- Master Bed
- 2 Primary Baths, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Fireplaces
- 2
- Fireplace Description
- Family Room, Library, Masonry, Raised Hearth
- Interior Features
- 2 Primary Baths, 2 Primary Suites, Bar, Bookcases, Breakfast Bar, Built-in Features, Cedar Closet(s), Ceiling Fan(s), Coffered Ceiling(s), High Ceilings, Corain Counters, Granite Counters, Tile Counters, Crown Molding, Electric Dryer Hookup, High Speed Internet, Kitchen Island, Multiple Dining Areas, Multiple Living Areas, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Storage, Walk-In Closet(s), Washer Hookup, Security System Owned, Smoke Detector(s), Bay Window(s), Blinds, Drapes, Garden Window(s), Screens, Window Coverings, Window Treatments
General Info
- Beds
- 3 Total / 3 Main Level
- Full / Half Baths
- 4 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 1990 / Resale
- Square Feet
- 5,580 / Public Records
- Garages
- 4
- Garage Desc
- Additional Parking, Attached, Carport, Covered, Detached Carport, Driveway, Garage, Garage Faces Side, Golf Cart Garage, Kitchen Level, Private, Storage, Workshop in Garage
- Foundation
- Slab
- Roof
- Asphalt, Shingle
- Construction
- Brick, Concrete, Glass, Wood Siding
- Acres
- 303.55
- Lot Description
- Cleared, Front Yard, Gentle Sloping, Landscaped, Native Plants, Private, Sprinkler - Automatic, Sprinkler - Back Yard, Sprinklers In Front, Sprinkler - In-ground, Sprinkler - Side Yard, Trees-Large (Over 40 Ft), Trees-Medium (20 Ft - 40 Ft), Views
- Restrictions
- Deed Restrictions
- Flood Plain
- See Remarks
- View
- City, Hill Country, Panoramic, Pasture, Skyline, Water
- Water Access
- Yes
- Waterfront
- Yes
- Area
- BT
Utility Info
- Water
- Well, See Remarks
- Sewer
- Septic Tank
- Utilities
- Electricity Available, Electricity Connected, Phone Available, Propane, Water Available, Water Connected
- Heat
- Central, Electric, Fireplace(s), Hot Water, Propane
- A C
- Ceiling Fan(s), Central Air, Electric, Multi Units
Exterior Features
- Fence
- Back Yard, Barbed Wire, Fenced, Front Yard, Full, Gate, Invisible, Livestock, Perimeter
- Exterior Features
- Gutters Full, Lighting, Private Entrance, Private Yard, Covered, Front Porch, Patio, Porch
- Pool On Property
- Yes
- Area Amenities
- See Remarks
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Jul 23, 2026 | Active Under Contract | — | |
| Jun 5, 2026 | Price Decrease | $7,500,000−$2,500,000 (−25%) | −$2,500,000 (−25%) |
| Jul 4, 2025 | New Listing | — |
Taxes
Schools
School Info
- District
- Belton ISD
- Elementary
- Miller Heights
- Middle
- Lake Belton
- High
- Belton
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$45,930 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $45,930
- Principal & interest
- $37,924
- Property taxes
- $1,756
- Homeowners insurance
- $6,250
*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 | $6,000,000 | $67,064 | $388,025 | $5,932,936 | |
| 2 | $5,932,936 | $71,555 | $383,534 | $5,861,382 | |
| 3 | $5,861,382 | $76,347 | $378,742 | $5,785,035 | |
| 4 | $5,785,035 | $81,460 | $373,629 | $5,703,574 | |
| 5 | $5,703,574 | $86,916 | $368,173 | $5,616,659 | |
| 6 | $5,616,659 | $92,737 | $362,352 | $5,523,922 | |
| 7 | $5,523,922 | $98,947 | $356,142 | $5,424,975 | |
| 8 | $5,424,975 | $105,574 | $349,515 | $5,319,401 | |
| 9 | $5,319,401 | $112,645 | $342,444 | $5,206,756 | |
| 10 | $5,206,756 | $120,189 | $334,900 | $5,086,568 |
- Year 1$5,932,936
- Principal paid
- $67,064
- Interest paid
- $388,025
- Starting balance
- $6,000,000
- Year 2$5,861,382
- Principal paid
- $71,555
- Interest paid
- $383,534
- Starting balance
- $5,932,936
- Year 3$5,785,035
- Principal paid
- $76,347
- Interest paid
- $378,742
- Starting balance
- $5,861,382
- Year 4$5,703,574
- Principal paid
- $81,460
- Interest paid
- $373,629
- Starting balance
- $5,785,035
- Year 5$5,616,659
- Principal paid
- $86,916
- Interest paid
- $368,173
- Starting balance
- $5,703,574
- Year 6$5,523,922
- Principal paid
- $92,737
- Interest paid
- $362,352
- Starting balance
- $5,616,659
- Year 7$5,424,975
- Principal paid
- $98,947
- Interest paid
- $356,142
- Starting balance
- $5,523,922
- Year 8$5,319,401
- Principal paid
- $105,574
- Interest paid
- $349,515
- Starting balance
- $5,424,975
- Year 9$5,206,756
- Principal paid
- $112,645
- Interest paid
- $342,444
- Starting balance
- $5,319,401
- Year 10$5,086,568
- Principal paid
- $120,189
- Interest paid
- $334,900
- Starting balance
- $5,206,756
Courtesy of Coldwell Banker Realty · (512) 328-8200
Listings courtesy of ACTRIS as distributed by MLS GRID.