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ActiveMLS #5973568

127 Riparian Elm RD, Bertram TX 78605

Bertram, TX 78605 · Shin Oak Bend

Single Family Residence for sale in Shin Oak Bend

4Bedrooms
2 full / 1 halfBathrooms
2,018Square Ft
3.27Acres
3Garage
2026Year Built
Price Reduced
1 / 28
$614,400$614,900
3D tour

Overview

Property Description

NEW HOME ON ACREAGE NOW COMPLETE AND READY FOR OCCUPANCY. FANTASTIC OWNER FINANCING TERMS. 20% DOWN, 4% INTEREST, 3O YEAR AMO AND 3 YEAR BALLOON. FINANCING IS SUBJECT TO CREDIT APPROVAL BY SELLER. Escape to the country and enjoy the peace and quiet in your new 4/2.5/3 home on 3.272 acres with excellent rural location near Bertram. Great for Austin commuters wanting to get away from the city. Home features a split bedroom plan, fourth bedroom or study, huge open concept living area, wonderful kitchen with abundant cabinets. quartz counters, stainless steel appliances, 3 car garage, covered porch and much more. Home is situated so it captures an amazing amount of natural light. Water well, septic and located in the county for lower tax rate and affordable living without City Taxes. Hurry, new rural acreage homes are rare and hard to find.

Financial Info
Price
$614,400
$ / Sqft
$304
HOA
Yes - Mandatory / $525 / Annually
HOA Name
Shin Oak Bend POA
HOA Includes
See Remarks
Tax Rate
1.31%
Est. Taxes
$8,055
Tax Year
2026
Exemptions
None
Legal Info
Address
127 Riparian Elm RD
County
Burnet
City
Bertram
State
TX
Zip
78605
Subdivision
Shin Oak Bend
Legal Description
Lot 4, 3.272 Acres, Shin Oak Bend
Parcel
122788
Interior Features
Floor
Tile, Vinyl
Num Living
1
Dining
1
Kitchen
Kitchen Island
Appliances
Microwave
Laundry
Laundry Room, Main Level
Master Bed
Double Vanity
Master Main
Yes
Interior Features
High Ceilings, Quartz Counters, Double Vanity, Electric Dryer Hookup, Kitchen Island, Recessed Lighting, None, Insulated Windows
General Info
Beds
4 Total / 4 Main Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
1
Year Built
2026 / Under Construction
Square Feet
2,018 / Plans
Garages
3
Garage Desc
Driveway
Foundation
Slab
Roof
Composition
Construction
Spray Foam Insulation, Cement Siding, Stone
Acres
3.27
Lot Description
Native Plants
Restrictions
Deed Restrictions
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
BU
Utility Info
Water
Well
Sewer
Septic Tank
Utilities
See Remarks, Electricity Connected
Heat
Heat Pump
A C
Ceiling Fan(s), Electric
Exterior Features
Fence
None
Exterior Features
None, Rear Porch
Pool On Property
No
Area Amenities
None

Rooms

Rooms7 rooms

Main level

  • Bedroom

    Ceiling Fan(s)

First level

  • Kitchen

    Center Island, Quartz Counters

  • Bathroom

    Quartz Counters

  • Primary Bathroom

    Quartz Counters, Separate Shower, Soaking Tub, Walk-In Closet(s)

  • Great Room

    Ceiling Fan(s)

  • Primary Bedroom

    Ceiling Fan(s)

  • Bedroom

    Ceiling Fan(s)

Price history

Days on market
−$500 (−0.1%)
$614,900 → $614,400
1
Price reduction
Active
Since Jun 18, 2026
Price trend
List priceJun 2026 → Oct 2026
Property history2 events
DateEventPriceChange
Oct 26, 2026Price Decrease$614,400−$500 (−0.1%)
Jun 18, 2026New Listing

Taxes

Tax data isn’t available for this property’s county yet.

Schools

School Info
District
BurnetCONSISD
Elementary
Bertram
Middle
Burnet (Burnet ISD)
High
Burnet

Maps

Financing

Your preferences

  • 20% down
  • Conv/Jumbo
  • 30 years
  • 6.50% rate

Saved on this device

List price $614,400
Down payment
Stays 20% if you change the price
Note rate, not APR
From this listing’s tax record
*Estimated only (1% of price / yr)

Estimated monthly payment

$4,290 / mo

20% down · 6.50% interest · 30-year fixed

Estimated monthly payment $4,290

Principal & interest
$3,107
Property taxes
$671
Homeowners insurance
$512

*PITI only

These figures are estimates for general information only — not a loan offer, a quote, or a guarantee of financing terms.

Principal, interest and balance for each year
YearStarting balancePrincipal paidInterest paidEnding balancePrincipal vs interest
1$491,520$5,494$31,787$486,026
2$486,026$5,862$31,419$480,164
3$480,164$6,254$31,027$473,910
4$473,910$6,673$30,608$467,237
5$467,237$7,120$30,161$460,117
6$460,117$7,597$29,684$452,520
7$452,520$8,106$29,175$444,414
8$444,414$8,649$28,632$435,765
9$435,765$9,228$28,053$426,537
10$426,537$9,846$27,435$416,692
  • Year 1$486,026
    Principal paid
    $5,494
    Interest paid
    $31,787
    Starting balance
    $491,520
  • Year 2$480,164
    Principal paid
    $5,862
    Interest paid
    $31,419
    Starting balance
    $486,026
  • Year 3$473,910
    Principal paid
    $6,254
    Interest paid
    $31,027
    Starting balance
    $480,164
  • Year 4$467,237
    Principal paid
    $6,673
    Interest paid
    $30,608
    Starting balance
    $473,910
  • Year 5$460,117
    Principal paid
    $7,120
    Interest paid
    $30,161
    Starting balance
    $467,237
  • Year 6$452,520
    Principal paid
    $7,597
    Interest paid
    $29,684
    Starting balance
    $460,117
  • Year 7$444,414
    Principal paid
    $8,106
    Interest paid
    $29,175
    Starting balance
    $452,520
  • Year 8$435,765
    Principal paid
    $8,649
    Interest paid
    $28,632
    Starting balance
    $444,414
  • Year 9$426,537
    Principal paid
    $9,228
    Interest paid
    $28,053
    Starting balance
    $435,765
  • Year 10$416,692
    Principal paid
    $9,846
    Interest paid
    $27,435
    Starting balance
    $426,537
First 10 of 30 years

Nearby

Courtesy of Walker & Assoc. Real Estate · (830) 693-5549

Listings courtesy of ACTRIS as distributed by MLS GRID.