ActiveMLS #6446572

107 Saranac DR, Elgin TX 78621

Name: 107 Saranac DR, Elgin, TX 78621
SKU: 6446572
Price: 259999 USD
Availability: InStock

Elgin, TX 78621 · Saratoga Farms Sub Sec

Single Family Residence for sale in Saratoga Farms Sub Sec

$284,999

$259,999

1,539

0.16

2018

Price Reduced

1 / 17

$259,999$284,999

Overview

Property Description

Welcome to this inviting home in Saratoga Farms. Suited for comfort, functionality, and a convenient location. From the moment you arrive, you will see the home’s charming curb appeal. Inside, an open-concept layout welcomes you with high ceilings, and abundant natural light. The kitchen is thoughtfully designed with granite countertops, and generous cabinet space, flowing seamlessly into a spacious living room that’s perfect for relaxing or entertaining. The primary bedroom is tucked away for privacy, featuring a walk-in closet and a private en-suite bathroom. Two well-sized guest bedrooms share a full guest bath, with flexibility for family, guests, or a home office. The full-size laundry room adds everyday convenience. Step outside to enjoy a spacious, fenced backyard with plenty of room for outdoor entertaining, pets, or future enhancements. Ideally located near Hwy 290, H-E-B, shopping, dining, and everyday essentials, this home offers a fantastic opportunity in an established community. Schedule a showing appointment today!

Financial Info

Price: $259,999
$ / Sqft: $169
HOA: Yes - Mandatory / $50 / Quarterly
HOA Name: Residential Communit
HOA Includes: Common Area Maintenance
Tax Rate: 2.478%
Est. Taxes: $7,364.81
Tax Year: 2025
Exemptions: Homestead

Legal Info

Address: 107 Saranac DR
County: Bastrop
City: Elgin
State: TX
Zip: 78621
Subdivision: Saratoga Farms Sub Sec
Legal Description: SARATOGA FARMS SUBDIVISION SECTION FOUR, BLOCK C, LOT 68, ACRES 0.164
Parcel: 8705984

Interior Features

Floor: Carpet, Tile
Num Living: 1
Dining: 1
Kitchen: Granite Counters, Pantry
Appliances: Dishwasher, Disposal, Exhaust Fan, Microwave, Oven, Free-Standing Range, Electric Water Heater
Laundry: Laundry Room, Main Level
Master Bed: Primary Bedroom on Main, Walk-In Closet(s)
Master Main: Yes
Interior Features: High Ceilings, Granite Counters, Pantry, Primary Bedroom on Main, Walk-In Closet(s), None

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: 2018 / Resale
Square Feet: 1,539 / Public Records
Garages: 2
Garage Desc: Attached, Driveway, Garage
Foundation: Slab
Roof: Composition, Shingle
Construction: HardiPlank Type, Masonry – Partial
Acres: 0.16
Lot Description: Back Yard, Front Yard, Interior Lot, Landscaped, Trees-Medium (20 Ft - 40 Ft)
Restrictions: City Restrictions, Deed Restrictions
Flood Plain: No
View: None
Water Access: No
Waterfront: No
Area: EL

Utility Info

Water: Public
Sewer: Public Sewer
Utilities: Electricity Available, Underground Utilities
Heat: Central
A C: Ceiling Fan(s), Central Air

Exterior Features

Fence: Fenced, Wood
Exterior Features: None, Covered, Patio, Rear Porch
Pool On Property: No
Area Amenities: Cluster Mailbox, Underground Utilities

Price history

Members only

Days on market

−$25,000 (−8.8%)

$284,999 → $259,999

Price reductions

Active

Since May 1, 2026

Price trend

List priceMay 2026 → Aug 2026

Property history3 events

Date	Event	Price	Change
Aug 26, 2026	Price Decrease	$259,999−$10,000 (−3.7%)	−$10,000 (−3.7%)
Jul 7, 2026	Price Decrease	$269,999−$15,000 (−5.3%)	−$15,000 (−5.3%)
May 1, 2026	New Listing		—

Taxes

General Information

Owner: MONTALVO, SAMUEL A
Legal: Saratoga Farms Subdivision Section Four, BLOCK C, LOT 68, ACRES 0.164
Geo ID: 8705984
Acreage: 0.16

Exemptions

Exemption Type: Homestead Local Option, Homestead

Taxing Units

T1: BASTROP COUNTY
T2: ELGIN ISD
T3: CITY OF ELGIN
T4: BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
T5: AUSTIN COMMUNITY COLLEGE
T6: BASTROP COUNTY EMERGENCY SVC DIST #3
T7: COUNTY ROAD FM

Tax Summary

MLS estimated annual taxes: $7,364.81
MLS tax year: 2025
CAD estimated taxes: $5,608.93
CAD source year: 2026

Appraisal Values

Year	Land	Improvements	Market	Appraised	Assessed
2026	$68,795	$215,857	$284,652	$284,652	$284,652

Assessments

Capped	Taxable	Assessed	Land HS	Imp HS	CAD Est. Tax	Taxing Unit
$284,652	$284,652	—	—	—	$997.68	BASTROP COUNTY
$284,652	$144,652	—	—	—	$1,769.67	ELGIN ISD
$284,652	$284,652	—	—	—	$1,762.84	CITY OF ELGIN
$284,652	$284,652	—	—	—	$284.65	BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
$284,652	$279,652	—	—	—	$289.16	AUSTIN COMMUNITY COLLEGE
$284,652	$284,652	—	—	—	$284.65	BASTROP COUNTY EMERGENCY SVC DIST #3
$284,652	$281,652	—	—	—	$220.28	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: 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

Home priceList price $259,999

Down payment

Stays 20% if you change the price

Interest rateNote rate, not APR

Loan termLoan type

Property taxesFrom this listing’s tax record

Homeowners insurance*Estimated only (1% of price / yr)

Estimated monthly payment

$2,146 / mo

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

Principal & interest: $1,315
Property taxes: $614
Homeowners insurance: $217

*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
Year	Starting balance	Principal paid	Interest paid	Ending balance
1	$207,999	$2,325	$13,451	$205,674
2	$205,674	$2,481	$13,296	$203,194
3	$203,194	$2,647	$13,130	$200,547
4	$200,547	$2,824	$12,952	$197,723
5	$197,723	$3,013	$12,763	$194,710
6	$194,710	$3,215	$12,562	$191,495
7	$191,495	$3,430	$12,346	$188,065
8	$188,065	$3,660	$12,116	$184,405
9	$184,405	$3,905	$11,871	$180,500
10	$180,500	$4,167	$11,610	$176,334

Year 1$205,674
Principal paid
$2,325
Interest paid
$13,451
Starting balance
$207,999
Year 2$203,194
Principal paid
$2,481
Interest paid
$13,296
Starting balance
$205,674
Year 3$200,547
Principal paid
$2,647
Interest paid
$13,130
Starting balance
$203,194
Year 4$197,723
Principal paid
$2,824
Interest paid
$12,952
Starting balance
$200,547
Year 5$194,710
Principal paid
$3,013
Interest paid
$12,763
Starting balance
$197,723
Year 6$191,495
Principal paid
$3,215
Interest paid
$12,562
Starting balance
$194,710
Year 7$188,065
Principal paid
$3,430
Interest paid
$12,346
Starting balance
$191,495
Year 8$184,405
Principal paid
$3,660
Interest paid
$12,116
Starting balance
$188,065
Year 9$180,500
Principal paid
$3,905
Interest paid
$11,871
Starting balance
$184,405
Year 10$176,334
Principal paid
$4,167
Interest paid
$11,610
Starting balance
$180,500

First 10 of 30 years

Nearby

Courtesy of Keller Williams Realty · (512) 346-3550

Listings courtesy of ACTRIS as distributed by MLS GRID.