107 W 7th ST, Elgin TX 78621
Elgin, TX 78621 · W & O
Single Family Residence for sale in W & O
Overview
Property Description
Charming 2/1 cottage just steps from historic Main Street in the heart of Elgin! Thoughtfully updated in recent years, this inviting home blends vintage character with modern touches while preserving its original warmth and charm. Features include a newer roof and windows, beautiful wood flooring, a spacious kitchen with ample storage, and an oversized bathroom created from a former third bedroom. The back deck overlooks a private, landscaped yard with mature trees, privacy fencing, and two outbuildings for added storage or workspace. Situated on two city lots, this property offers a prime location, extra outdoor space, and plenty of room to make it your own. Conveniently located minutes from Highway 290, 18 miles from Bastrop, 28 miles from Austin Airport, 25.4 miles from downtown Austin, 16.8 miles from the Samsung Factory in Taylor, and 23.6 miles from the Tesla plant.
Financial Info
- Price
- $195,000
- $ / Sqft
- $231
- HOA
- None
- Tax Rate
- 2.47%
- Est. Taxes
- $5,325
- Tax Year
- 2026
- Exemptions
- None
Legal Info
- Address
- 107 W 7th ST
- County
- Bastrop
- City
- Elgin
- State
- TX
- Zip
- 78621
- Subdivision
- W & O
- Legal Description
- W & O, BLOCK 1, LOT 4 A (FR) & W & O, BLOCK 1, LOT 4 B
- Parcel
- R13510
Interior Features
- Floor
- Wood
- Num Living
- 1
- Dining
- 1
- Appliances
- Cooktop, Dishwasher
- Laundry
- Inside
- Master Main
- Yes
- Interior Features
- See Remarks, Smoke Detector(s), None
General Info
- Beds
- 2 Total / 2 Main Level
- Full / Half Baths
- 1 / 0
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 1945 / Resale
- Square Feet
- 844 / Public Records
- Garage Desc
- Outside
- Foundation
- Pillar/Post/Pier
- Roof
- Composition
- Construction
- Vinyl Siding
- Acres
- 0.09
- Lot Description
- Back Yard, Private, Trees-Medium (20 Ft - 40 Ft), Trees-Moderate
- Restrictions
- City Restrictions
- Flood Plain
- No
- View
- None
- Water Access
- No
- Waterfront
- No
- Area
- EL
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Available, Sewer Available
- Heat
- Central
- A C
- Ceiling Fan(s)
Exterior Features
- Fence
- Privacy
- Exterior Features
- Private Yard, Deck
- Pool On Property
- No
- Area Amenities
- None
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 20, 2026 | Price Decrease | $195,000−$18,500 (−8.7%) | −$18,500 (−8.7%) |
| Aug 9, 2026 | New Listing | — |
Taxes
- Owner
- GILMORE, CARLA RENEE
- Legal
- W & O, BLOCK 1, LOT 4 A (FR)
- Geo ID
- 13510
- Acreage
- 0.09
- Exemption Type
- None on record
- 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
- MLS estimated annual taxes
- $5,325
- MLS tax year
- 2026
- CAD estimated taxes
- $4,276.22
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $83,849 | $82,231 | $166,080 | $166,080 | $166,080 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $166,080 | $166,080 | — | — | — | $582.09 | BASTROP COUNTY |
| $166,080 | $166,080 | — | — | — | $2,031.82 | ELGIN ISD |
| $166,080 | $166,080 | — | — | — | $1,028.53 | CITY OF ELGIN |
| $166,080 | $166,080 | — | — | — | $166.08 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $166,080 | $166,080 | — | — | — | $171.73 | AUSTIN COMMUNITY COLLEGE |
| $166,080 | $166,080 | — | — | — | $166.08 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $166,080 | $166,080 | — | — | — | $129.89 | COUNTY ROAD FM |
Source: Bastrop County
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
Estimated monthly payment
$1,593 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $1,593
- Principal & interest
- $986
- Property taxes
- $444
- Homeowners insurance
- $163
*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 | $156,000 | $1,744 | $10,089 | $154,256 | |
| 2 | $154,256 | $1,860 | $9,972 | $152,396 | |
| 3 | $152,396 | $1,985 | $9,847 | $150,411 | |
| 4 | $150,411 | $2,118 | $9,714 | $148,293 | |
| 5 | $148,293 | $2,260 | $9,573 | $146,033 | |
| 6 | $146,033 | $2,411 | $9,421 | $143,622 | |
| 7 | $143,622 | $2,573 | $9,260 | $141,049 | |
| 8 | $141,049 | $2,745 | $9,087 | $138,304 | |
| 9 | $138,304 | $2,929 | $8,904 | $135,376 | |
| 10 | $135,376 | $3,125 | $8,707 | $132,251 |
- Year 1$154,256
- Principal paid
- $1,744
- Interest paid
- $10,089
- Starting balance
- $156,000
- Year 2$152,396
- Principal paid
- $1,860
- Interest paid
- $9,972
- Starting balance
- $154,256
- Year 3$150,411
- Principal paid
- $1,985
- Interest paid
- $9,847
- Starting balance
- $152,396
- Year 4$148,293
- Principal paid
- $2,118
- Interest paid
- $9,714
- Starting balance
- $150,411
- Year 5$146,033
- Principal paid
- $2,260
- Interest paid
- $9,573
- Starting balance
- $148,293
- Year 6$143,622
- Principal paid
- $2,411
- Interest paid
- $9,421
- Starting balance
- $146,033
- Year 7$141,049
- Principal paid
- $2,573
- Interest paid
- $9,260
- Starting balance
- $143,622
- Year 8$138,304
- Principal paid
- $2,745
- Interest paid
- $9,087
- Starting balance
- $141,049
- Year 9$135,376
- Principal paid
- $2,929
- Interest paid
- $8,904
- Starting balance
- $138,304
- Year 10$132,251
- Principal paid
- $3,125
- Interest paid
- $8,707
- Starting balance
- $135,376
Nearby
12 closest listings to 107 W 7th ST, Elgin TX 78621 (within 2 miles).
Courtesy of Sterling & Associates R.E. · (512) 281-3336
Listings courtesy of ACTRIS as distributed by MLS GRID.