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104 Cates Cv 6174236Edit search
ActiveMLS #6174236

104 Cates CV, Elgin TX 78621

Elgin, TX 78621 · Saratoga Farms

Single Family Residence for sale in Saratoga Farms

3Bedrooms
2 full / 1 halfBathrooms
1,547Square Ft
0.15Acres
2Garage
2019Year Built
New
1 / 31
$289,500
3D tour

Overview

Property Description

Exceptionally well maintained and lightly lived-in, this 3-bedroom, 2.5-bath home offers a nearly new feel without the compromises found in many similarly sized homes. Unlike several nearby new-construction options, this home includes an attached garage, along with durable, carpet-free flooring throughout. The main level features comfortable living and dining spaces, a convenient half bath for guests, and access to a wonderfully spacious back deck - an inviting extension of the living area and a feature that truly sets this home apart. With attractive masonry accents and Hardie-style siding, newer major systems, and a move-in-ready interior that has been carefully maintained, this home represents an excellent opportunity in a convenient Elgin location. Buyer and buyer’s agent to independently verify all information, including room and property dimensions; measurements are deemed reliable but not guaranteed.

Financial Info
Price
$289,500
$ / Sqft
$187
HOA
Yes - Mandatory / $50 / Quarterly
HOA Name
Residential Communities
HOA Includes
Common Area Maintenance
Tax Rate
2.99%
Est. Taxes
$5,610.76
Tax Year
2018
Exemptions
Homestead
Legal Info
Address
104 Cates CV
County
Bastrop
City
Elgin
State
TX
Zip
78621
Subdivision
Saratoga Farms
Legal Description
SARATOGA FARMS SUBDIVISION SECTION THREE, BLOCK C, LOT 94, ACRES 0.149
Parcel
8705315
Interior Features
Floor
Laminate, Tile
Num Living
1
Dining
1
Kitchen
Granite Counters
Appliances
Dishwasher, Disposal, Exhaust Fan, Microwave, Oven, Free-Standing Range, Electric Water Heater
Laundry
Laundry Room, Upper Level
Master Bed
Walk-In Closet(s)
Master Main
No
Fireplace Description
None
Interior Features
High Ceilings, Recessed Lighting, Walk-In Closet(s), Granite Counters, Smoke Detector(s), None
General Info
Beds
3 Total / 3 Other Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
2019 / Resale
Square Feet
1,547 / Builder
Garages
2
Garage Desc
Attached, Door-Single, Garage Faces Front
Foundation
Slab
Roof
Composition
Construction
Masonry – All Sides, HardiPlank Type, Stone Veneer
Acres
0.15
Lot Description
Cul-De-Sac, Level, Sprinkler - Back Yard, Sprinklers In Front
Restrictions
Deed Restrictions
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Private, Public
Sewer
Public Sewer
Utilities
Electricity Available, Phone Connected, Underground Utilities
Heat
Central
A C
Central Air
Exterior Features
Fence
Fenced, Wood
Exterior Features
Gutters Partial, Deck, Front Porch, Patio
Pool On Property
No
Area Amenities
Cluster Mailbox, Curbs, Underground Utilities

Rooms

Rooms3 rooms

Main level

  • Kitchen

    Center Island, GranCnt, Dining Area, Open to Family Room, Recessed Lighting

Upper level

  • Primary Bathroom

    Dual Vanity, Walk-In Closet(s)

  • Primary Bedroom

    Ceiling Fan(s)

Price history

Members only
Days on market
$289,500
List price
0
Price reductions
Active
Since Sep 18, 2026
Property history1 event
DateEventPriceChange
Sep 18, 2026New Listing

Taxes

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

Schools

School Info
District
Elgin ISD
Elementary
Elgin
Middle
Elgin
High
Elgin

Maps

Financing

Your preferences

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

Saved on this device

List price $289,500
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

$2,173 / mo

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

Estimated monthly payment $2,173

Principal & interest
$1,464
Property taxes
$468
Homeowners insurance
$241

*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$231,600$2,589$14,978$229,011
2$229,011$2,762$14,804$226,249
3$226,249$2,947$14,619$223,302
4$223,302$3,144$14,422$220,158
5$220,158$3,355$14,211$216,803
6$216,803$3,580$13,987$213,223
7$213,223$3,819$13,747$209,404
8$209,404$4,075$13,491$205,329
9$205,329$4,348$13,218$200,981
10$200,981$4,639$12,927$196,342
  • Year 1$229,011
    Principal paid
    $2,589
    Interest paid
    $14,978
    Starting balance
    $231,600
  • Year 2$226,249
    Principal paid
    $2,762
    Interest paid
    $14,804
    Starting balance
    $229,011
  • Year 3$223,302
    Principal paid
    $2,947
    Interest paid
    $14,619
    Starting balance
    $226,249
  • Year 4$220,158
    Principal paid
    $3,144
    Interest paid
    $14,422
    Starting balance
    $223,302
  • Year 5$216,803
    Principal paid
    $3,355
    Interest paid
    $14,211
    Starting balance
    $220,158
  • Year 6$213,223
    Principal paid
    $3,580
    Interest paid
    $13,987
    Starting balance
    $216,803
  • Year 7$209,404
    Principal paid
    $3,819
    Interest paid
    $13,747
    Starting balance
    $213,223
  • Year 8$205,329
    Principal paid
    $4,075
    Interest paid
    $13,491
    Starting balance
    $209,404
  • Year 9$200,981
    Principal paid
    $4,348
    Interest paid
    $13,218
    Starting balance
    $205,329
  • Year 10$196,342
    Principal paid
    $4,639
    Interest paid
    $12,927
    Starting balance
    $200,981
First 10 of 30 years

Nearby

Courtesy of ERA Experts · (512) 270-4765

Listings courtesy of ACTRIS as distributed by MLS GRID.