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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
Price Reduced
1 / 31
$279,900$289,500
3D tour

Overview

Property Description

QUALIFIED BUYERS MAY BE ABLE TO PURCHASE THIS HOME WITH LESS THAN $5,000 OUT OF POCKET! Seller is offering up to 3% of the sales price toward a buyer’s allowable closing costs, prepaid expenses, and/or interest-rate buydown. In addition, this property may qualify for a $5000 Chase Homebuyer Grant that can be used to reduce the cost of your Chase mortgage. Actual funds required will vary based on financing and individual circumstances. Subject to loan approval, grant eligibility, program requirements, appraisal, and lender limits. See flyer in documents for additional information. Exceptionally well maintained and lightly lived-in, this 2019-built, 3-bedroom, 2.5-bath home offers a nearly new, move-in-ready feel. Features include an attached garage, carpet-free flooring throughout, masonry accents, Hardie-style siding, and a wonderfully spacious back deck that extends the living area outdoors. Conveniently located in Elgin. All information is deemed reliable but not guaranteed and should be independently verified by the buyer and buyer’s agent.

Financial Info
Price
$279,900
$ / Sqft
$181
HOA
Yes - Mandatory / $50 / Quarterly
HOA Name
Saratoga Farms
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

Days on market
−$9,600 (−3.3%)
$289,500 → $279,900
1
Price reduction
Active
Since Sep 18, 2026
Price trend
List priceSep 2026 → Oct 2026
Property history2 events
DateEventPriceChange
Oct 2, 2026Price Decrease$279,900−$9,600 (−3.3%)
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 $279,900
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

$2,116 / mo

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

Estimated monthly payment $2,116

Principal & interest
$1,415
Property taxes
$468
Homeowners insurance
$233

*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$223,920$2,503$14,481$221,417
2$221,417$2,670$14,313$218,747
3$218,747$2,849$14,135$215,897
4$215,897$3,040$13,944$212,857
5$212,857$3,244$13,740$209,614
6$209,614$3,461$13,523$206,153
7$206,153$3,693$13,291$202,460
8$202,460$3,940$13,044$198,520
9$198,520$4,204$12,780$194,316
10$194,316$4,485$12,498$189,831
  • Year 1$221,417
    Principal paid
    $2,503
    Interest paid
    $14,481
    Starting balance
    $223,920
  • Year 2$218,747
    Principal paid
    $2,670
    Interest paid
    $14,313
    Starting balance
    $221,417
  • Year 3$215,897
    Principal paid
    $2,849
    Interest paid
    $14,135
    Starting balance
    $218,747
  • Year 4$212,857
    Principal paid
    $3,040
    Interest paid
    $13,944
    Starting balance
    $215,897
  • Year 5$209,614
    Principal paid
    $3,244
    Interest paid
    $13,740
    Starting balance
    $212,857
  • Year 6$206,153
    Principal paid
    $3,461
    Interest paid
    $13,523
    Starting balance
    $209,614
  • Year 7$202,460
    Principal paid
    $3,693
    Interest paid
    $13,291
    Starting balance
    $206,153
  • Year 8$198,520
    Principal paid
    $3,940
    Interest paid
    $13,044
    Starting balance
    $202,460
  • Year 9$194,316
    Principal paid
    $4,204
    Interest paid
    $12,780
    Starting balance
    $198,520
  • Year 10$189,831
    Principal paid
    $4,485
    Interest paid
    $12,498
    Starting balance
    $194,316
First 10 of 30 years

Nearby

Courtesy of ERA Experts · (512) 270-4765

Listings courtesy of ACTRIS as distributed by MLS GRID.