109 Union Pacific DR, Cedar Creek TX 78612
Cedar Creek, TX 78612 · RAILHEAD
Single Family Residence for sale in RAILHEAD
Overview
Property Description
The Grayson is a spacious one-story floorplan featured in the Railhead community in Cedar Creek, Texas. Offering 2,430 square feet, this home includes 5 bedrooms, 3 bathrooms, and a 3-car garage, providing plenty of space for everyday living. A welcoming foyer leads to four secondary bedrooms and two full bathrooms, offering flexibility for guests, home offices, or hobby spaces. At the heart of the home, the open-concept kitchen, dining, and family room create an inviting space for gathering and entertaining. The kitchen features a large center island, quartz countertops, stainless steel appliances, ample cabinet space, and a walk-in pantry. The adjoining dining and family room are filled with natural light and overlook the covered patio, creating a seamless indoor-outdoor connection. Privately situated at the back of the home, the primary suite offers a peaceful retreat with a walk-in shower, double vanity, and spacious walk-in closet. The Grayson also includes America's Smart Home technology package, featuring the Qolsys IQ Panel, video doorbell, Alarm.com app, Honeywell thermostat, smart light switch, and Kwikset smart lock, all conveniently controlled from your smartphone. Contact us today to learn more about the Grayson and find your new home at Railhead.
Financial Info
- Price
- $440,990
- $ / Sqft
- $181
- HOA
- Yes - Mandatory / $105 / Quarterly
- HOA Name
- RAILHEAD
- HOA Includes
- Common Area Maintenance
- Tax Rate
- 1.68%
- Est. Taxes
- $9,761
- Tax Year
- 2025
- Exemptions
- None
Legal Info
- Address
- 109 Union Pacific DR
- County
- Bastrop
- City
- Cedar Creek
- State
- TX
- Zip
- 78612
- Subdivision
- RAILHEAD
- Legal Description
- RAILHEAD LOT 1, BLOCK G, PHASE 1
- Parcel
- 109 Union Pacific Dr
Interior Features
- Floor
- Vinyl
- Num Living
- 1
- Dining
- 1
- Kitchen
- Eat-in Kitchen, Kitchen Island, Pantry
- Appliances
- Dishwasher, Disposal, Gas Range, Microwave, Vented Exhaust Fan, Electric Water Heater
- Laundry
- Laundry Room, Main Level
- Master Bed
- Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Interior Features
- Quartz Counters, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Smart Home, Smart Thermostat, Storage, Walk-In Closet(s), Washer Hookup, Prewired, Security System, Smoke Detector(s), Double Pane Windows, Low Emissivity Windows, Screens, Vinyl Windows
General Info
- Beds
- 5 Total / 5 Main Level
- Full / Half Baths
- 3 / 0
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 2026 / New
- Square Feet
- 2,430 / Builder
- Garages
- 3
- Garage Desc
- Driveway, Garage, Garage Faces Front
- Foundation
- Slab
- Roof
- Composition, Shingle
- Construction
- HardiPlank Type, Radiant Barrier
- Acres
- 0.50
- Lot Description
- Back Yard, Corner Lot, Front Yard, Interior Lot, Landscaped, Public Maintained Road, Sprinkler - Automatic, Trees-Small (Under 20 Ft)
- Restrictions
- Deed Restrictions
- Flood Plain
- No
- View
- Neighborhood
- Water Access
- No
- Waterfront
- No
- Area
- BA
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Available, Internet-Cable, Natural Gas Available, Natural Gas Connected, Phone Available, Sewer Available, Underground Utilities, Water Available
- Heat
- Central, Electric
- A C
- Central Air
Exterior Features
- Fence
- Back Yard, Fenced, Privacy, Wood
- Exterior Features
- None, Covered, Patio
- Pool On Property
- No
- Area Amenities
- Cluster Mailbox
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 8, 2026 | Pending | — | |
| Aug 21, 2026 | Price Increase | $440,990+$15,000 (+3.5%) | +$15,000 (+3.5%) |
| Jul 10, 2026 | Price Decrease | $425,990−$15,000 (−3.4%) | −$15,000 (−3.4%) |
| May 28, 2026 | New Listing | — |
Taxes
- Owner
- CONTINENTAL HOMES OF TEXAS LP
- Legal
- Railhead Subdivision, BLK A, LOT 1
- Geo ID
- 8731528
- Acreage
- 0.54
- Exemption Type
- None on record
- T1
- BASTROP COUNTY
- T2
- BASTROP ISD
- T4
- BASTROP COUNTY EMERGENCY SVC DIST #1
- T6
- BASTROP COUNTY EMERGENCY SVC DIST #3
- T7
- COUNTY ROAD FM
- MLS estimated annual taxes
- $9,761
- MLS tax year
- 2025
- CAD estimated taxes
- $1,261.12
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $75,000 | $0 | $75,000 | $75,000 | $75,000 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $75,000 | $75,000 | — | — | — | $262.87 | BASTROP COUNTY |
| $75,000 | $75,000 | — | — | — | $800.93 | BASTROP ISD |
| $75,000 | $75,000 | — | — | — | $63.66 | BASTROP COUNTY EMERGENCY SVC DIST #1 |
| $75,000 | $75,000 | — | — | — | $75.00 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $75,000 | $75,000 | — | — | — | $58.66 | COUNTY ROAD FM |
Disclaimer: Tax data provided by Bastrop Central Appraisal District (2026 Bastrop CAD external export (supplied snapshot; source year not labeled)).
Schools
School Info
- District
- Bastrop ISD
- Elementary
- Cedar Creek
- Middle
- Creekside
- High
- Cedar Creek
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$3,410 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $3,410
- Principal & interest
- $2,230
- Property taxes
- $813
- Homeowners insurance
- $367
*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 | $352,792 | $3,943 | $22,815 | $348,849 | |
| 2 | $348,849 | $4,207 | $22,551 | $344,641 | |
| 3 | $344,641 | $4,489 | $22,270 | $340,152 | |
| 4 | $340,152 | $4,790 | $21,969 | $335,363 | |
| 5 | $335,363 | $5,111 | $21,648 | $330,252 | |
| 6 | $330,252 | $5,453 | $21,306 | $324,799 | |
| 7 | $324,799 | $5,818 | $20,941 | $318,981 | |
| 8 | $318,981 | $6,208 | $20,551 | $312,774 | |
| 9 | $312,774 | $6,623 | $20,135 | $306,150 | |
| 10 | $306,150 | $7,067 | $19,692 | $299,083 |
- Year 1$348,849
- Principal paid
- $3,943
- Interest paid
- $22,815
- Starting balance
- $352,792
- Year 2$344,641
- Principal paid
- $4,207
- Interest paid
- $22,551
- Starting balance
- $348,849
- Year 3$340,152
- Principal paid
- $4,489
- Interest paid
- $22,270
- Starting balance
- $344,641
- Year 4$335,363
- Principal paid
- $4,790
- Interest paid
- $21,969
- Starting balance
- $340,152
- Year 5$330,252
- Principal paid
- $5,111
- Interest paid
- $21,648
- Starting balance
- $335,363
- Year 6$324,799
- Principal paid
- $5,453
- Interest paid
- $21,306
- Starting balance
- $330,252
- Year 7$318,981
- Principal paid
- $5,818
- Interest paid
- $20,941
- Starting balance
- $324,799
- Year 8$312,774
- Principal paid
- $6,208
- Interest paid
- $20,551
- Starting balance
- $318,981
- Year 9$306,150
- Principal paid
- $6,623
- Interest paid
- $20,135
- Starting balance
- $312,774
- Year 10$299,083
- Principal paid
- $7,067
- Interest paid
- $19,692
- Starting balance
- $306,150
Nearby
Courtesy of D.R. Horton, AMERICA'S Builder · (512) 345-4663
Listings courtesy of ACTRIS as distributed by MLS GRID.