638 Oak LN, Cottonwood Shores TX 78657
Cottonwood Shores, TX 78657 · Scarlet Oaks
Single Family Residence for sale in Scarlet Oaks
Overview
Property Description
Absolutely gorgeous home in Cottonwood Shores offering 3 bedrooms, 2 baths, and a 2-car garage with quality craftsmanship and thoughtful upgrades throughout! Beautiful curb appeal welcomes you with professional landscaping, mature trees, an automatic sprinkler system, and easy-maintenance outdoor spaces. Inside, you'll find an open-concept great room and spacious family kitchen featuring luxury vinyl plank flooring, high ceilings, granite countertops, and custom light fixtures. The private primary suite boasts a large walk-in tile shower and an impressive custom closet with abundant built-ins and storage. The secondary bedrooms are connected by a functional Jack-and-Jill bath with separate vanities and a tiled tub/shower combination. Enjoy outdoor living on the oversized covered back patio overlooking the fully fenced backyard with a wood privacy fence. Built with quality 2x6 construction, spray foam insulation, upgraded Cat 5 smart home wiring, and exceptional attention to detail, this home offers outstanding value. Conveniently located just minutes from Marble Falls and Horseshoe Bay, the community offers access to Lake Marble Falls, a playground, and splash pad. BUYER INCENTIVE: With and acceptable offer, seller is offering $10,000 seller contribution for buyer to apply as they wish!!
Financial Info
- Price
- $325,000
- $ / Sqft
- $204
- HOA
- None
- Tax Rate
- 2.05%
- Est. Taxes
- $1,016.09
- Tax Year
- 2022
- Exemptions
- None
Legal Info
- Address
- 638 Oak LN
- County
- Burnet
- City
- Cottonwood Shores
- State
- TX
- Zip
- 78657
- Subdivision
- Scarlet Oaks
- Legal Description
- S7520 SCARLET OAKS LOT 625
- Parcel
- 07520000000625000
Interior Features
- Floor
- Concrete
- Num Living
- 1
- Dining
- 1
- Kitchen
- Granite Counters
- Appliances
- Dishwasher, Disposal, Electric Range, Microwave, Range, Stainless Steel Appliance(s), Electric Water Heater
- Laundry
- In Garage
- Master Bed
- Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Interior Features
- Ceiling Fan(s), High Ceilings, Granite Counters, Double Vanity, Electric Dryer Hookup, French Doors, No Interior Steps, Primary Bedroom on Main, Recessed Lighting, Walk-In Closet(s), Washer Hookup, None, See Remarks
General Info
- Beds
- 3 Total / 3 Main Level
- Full / Half Baths
- 2 / 0
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 2022 / Resale
- Square Feet
- 1,592 / Public Records
- Garages
- 2
- Garage Desc
- Concrete, Garage Door Opener, Garage Faces Front
- Foundation
- Slab
- Roof
- Composition
- Construction
- Frame, Stucco
- Acres
- 0.11
- Lot Description
- Back Yard, Landscaped, Level, Sprinkler - In-ground, Many Trees
- Restrictions
- See Remarks, Deed Restrictions
- Flood Plain
- No
- View
- Hill Country
- Water Access
- No
- Waterfront
- No
- Area
- BU
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected
- Heat
- Central, Electric
- A C
- Ceiling Fan(s), Central Air, Electric
Exterior Features
- Fence
- Back Yard, Privacy, Wood
- Exterior Features
- Private Yard, Covered, Patio
- Pool On Property
- No
- Area Amenities
- Fishing, Lake, Park, Playground, See Remarks
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 18, 2026 | Active Under Contract | — | |
| Jul 28, 2026 | New Listing | — |
Taxes
Schools
School Info
- District
- Marble Falls ISD
- Elementary
- Marble Falls
- Middle
- Marble Falls
- High
- Marble Falls
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$1,999 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $1,999
- Principal & interest
- $1,643
- Property taxes
- $85
- Homeowners insurance
- $271
*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 | $260,000 | $2,906 | $16,814 | $257,094 | |
| 2 | $257,094 | $3,101 | $16,620 | $253,993 | |
| 3 | $253,993 | $3,308 | $16,412 | $250,685 | |
| 4 | $250,685 | $3,530 | $16,191 | $247,155 | |
| 5 | $247,155 | $3,766 | $15,954 | $243,389 | |
| 6 | $243,389 | $4,019 | $15,702 | $239,370 | |
| 7 | $239,370 | $4,288 | $15,433 | $235,082 | |
| 8 | $235,082 | $4,575 | $15,146 | $230,507 | |
| 9 | $230,507 | $4,881 | $14,839 | $225,626 | |
| 10 | $225,626 | $5,208 | $14,512 | $220,418 |
- Year 1$257,094
- Principal paid
- $2,906
- Interest paid
- $16,814
- Starting balance
- $260,000
- Year 2$253,993
- Principal paid
- $3,101
- Interest paid
- $16,620
- Starting balance
- $257,094
- Year 3$250,685
- Principal paid
- $3,308
- Interest paid
- $16,412
- Starting balance
- $253,993
- Year 4$247,155
- Principal paid
- $3,530
- Interest paid
- $16,191
- Starting balance
- $250,685
- Year 5$243,389
- Principal paid
- $3,766
- Interest paid
- $15,954
- Starting balance
- $247,155
- Year 6$239,370
- Principal paid
- $4,019
- Interest paid
- $15,702
- Starting balance
- $243,389
- Year 7$235,082
- Principal paid
- $4,288
- Interest paid
- $15,433
- Starting balance
- $239,370
- Year 8$230,507
- Principal paid
- $4,575
- Interest paid
- $15,146
- Starting balance
- $235,082
- Year 9$225,626
- Principal paid
- $4,881
- Interest paid
- $14,839
- Starting balance
- $230,507
- Year 10$220,418
- Principal paid
- $5,208
- Interest paid
- $14,512
- Starting balance
- $225,626
Nearby
Courtesy of RE/MAX of Marble Falls · (830) 798-1443
Listings courtesy of ACTRIS as distributed by MLS GRID.