Mr. Home Search
107 W 7th St 6402650Edit search
ActiveMLS #6402650

107 W 7th ST, Elgin TX 78621

Elgin, TX 78621 · W & O

Single Family Residence for sale in W & O

2Bedrooms
1Bathrooms
844Square Ft
0.09Acres
0Garage
1945Year Built
Price Reduced
1 / 11
$195,000$213,500

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

Members only
Days on market
−$18,500 (−8.7%)
$213,500 → $195,000
1
Price reduction
Active
Since Aug 9, 2026
Price trend
List priceAug 2026 → Sep 2026
Property history2 events
DateEventPriceChange
Sep 20, 2026Price Decrease$195,000−$18,500 (−8.7%)
Aug 9, 2026New Listing

Taxes

General Information
Owner
GILMORE, CARLA RENEE
Legal
W & O, BLOCK 1, LOT 4 A (FR)
Geo ID
13510
Acreage
0.09
Exemptions
Exemption Type
None on record
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
$5,325
MLS tax year
2026
CAD estimated taxes
$4,276.22
CAD source year
2026
Appraisal Values
YearLandImprovementsMarketAppraisedAssessed
2026$83,849$82,231$166,080$166,080$166,080
Assessments
CappedTaxableAssessedLand HSImp HSCAD Est. TaxTaxing Unit
$166,080$166,080———$582.09BASTROP COUNTY
$166,080$166,080———$2,031.82ELGIN ISD
$166,080$166,080———$1,028.53CITY OF ELGIN
$166,080$166,080———$166.08BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
$166,080$166,080———$171.73AUSTIN COMMUNITY COLLEGE
$166,080$166,080———$166.08BASTROP COUNTY EMERGENCY SVC DIST #3
$166,080$166,080———$129.89COUNTY 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

List price $195,000
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

$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.

Principal, interest and balance for each year
YearStarting balancePrincipal paidInterest paidEnding balancePrincipal 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
First 10 of 30 years

Nearby

Courtesy of Sterling & Associates R.E. · (512) 281-3336

Listings courtesy of ACTRIS as distributed by MLS GRID.