109 Pine Cone LN, Elgin TX 78621
Elgin, TX 78621 · Cedar Hills
Single Family Residence for sale in Cedar Hills
Overview
Property Description
Motivated seller offering $10,000 buyer incentive!! Looking for a little breathing room without giving up convenience? Welcome to 109 Pine Cone Lane, where country calm, shady trees, and a little room to roam come together. Set on 0.8 fenced acres, this 3-bedroom, 2-bath home offers space, privacy, and plenty of possibilities. Mature trees create a peaceful, tucked-away setting, while the outdoor workshop/shed gives you a dedicated spot for hobbies, projects, tools, or that collection of things you’re absolutely going to use someday. A brand-new septic system is already in place, and fresh paint in the primary bedroom adds a nice touch. With a generous lot, a comfortable home, and plenty of outdoor space, there’s room here to enjoy the simple things—and maybe a few chickens. Known as the “Sausage Capital of Texas,” this growing community is becoming part of the region’s next big chapter. With easy access to Austin and close proximity to major employers and technology hubs, including Tesla and Samsung, Elgin offers a refreshing combination of country living and connection to Central Texas growth.
Financial Info
- Price
- $320,000
- $ / Sqft
- $190
- HOA
- Yes - Mandatory / $180 / Annually
- HOA Name
- Cedar Hills Civic Homeowners Association
- HOA Includes
- Common Area Maintenance
- Tax Rate
- 1.96%
- Est. Taxes
- $5,951.97
- Tax Year
- 2026
- Exemptions
- Homestead
Legal Info
- Address
- 109 Pine Cone LN
- County
- Bastrop
- City
- Elgin
- State
- TX
- Zip
- 78621
- Subdivision
- Cedar Hills
- Legal Description
- CEDAR HILLS SEC 1, LOT (20 RESUB), LOT 66, ACRES .8034
- Parcel
- 15127
Interior Features
- Floor
- Carpet, Tile
- Num Living
- 1
- Dining
- 1
- Kitchen
- Pantry
- Appliances
- Dishwasher, Disposal, Microwave, Free-Standing Range, Free-Standing Refrigerator, Washer/Dryer, Electric Water Heater
- Laundry
- In Kitchen, Inside
- Master Bed
- Primary Bedroom on Main
- Master Main
- Yes
- Fireplaces
- 1
- Fireplace Description
- Wood Burning
- Interior Features
- Ceiling Fan(s), Beamed Ceilings, Open Floorplan, Pantry, Primary Bedroom on Main, None, Aluminum Frames, Double Pane Windows
General Info
- Beds
- 3 Total / 3 Main Level
- Full / Half Baths
- 2 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 1980 / Resale
- Square Feet
- 1,683 / Public Records
- Garages
- 2
- Garage Desc
- Driveway, Garage
- Foundation
- Slab
- Roof
- Composition, Shingle
- Construction
- Brick
- Acres
- 0.80
- Lot Description
- Back Yard, Cleared, Front Yard, Level, Trees-Heavy, Trees-Large (Over 40 Ft)
- Restrictions
- Deed Restrictions
- Flood Plain
- No
- View
- Neighborhood, Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- EL
Utility Info
- Water
- Public
- Sewer
- Septic Tank
- Utilities
- Cable Connected, Electricity Connected, Water Connected
- Heat
- Central, Fireplace(s)
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- Back Yard, Chain Link
- Exterior Features
- Gutters Partial, Private Yard, Covered, Patio
- Pool On Property
- No
- Area Amenities
- Park, Playground
Rooms
Main level
- Primary Bedroom
Ceiling Fan(s), Full Bath
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Nov 5, 2026 | Price Decrease | $320,000−$5,000 (−1.5%) | −$5,000 (−1.5%) |
| Sep 25, 2026 | Price Decrease | $325,000−$5,000 (−1.5%) | −$5,000 (−1.5%) |
| Aug 18, 2026 | New Listing | — |
Taxes
- Owner
- HENDERSON, TRACY
- Legal
- CEDAR HILLS SEC 1, LOT (20 RESUB), LOT 66, ACRES .8034
- Geo ID
- 15127
- Acreage
- 0.80
- Exemption Type
- Homestead Local Option, Homestead
- T1
- BASTROP COUNTY
- T2
- ELGIN ISD
- 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
- $5,951.97
- MLS tax year
- 2026
- CAD estimated taxes
- $4,231.69
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $127,056 | $177,315 | $304,371 | $304,371 | $304,371 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $304,371 | $304,371 | — | — | — | $1,066.79 | BASTROP COUNTY |
| $304,371 | $164,371 | — | — | — | $2,010.91 | ELGIN ISD |
| $304,371 | $304,371 | — | — | — | $304.37 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $304,371 | $299,371 | — | — | — | $309.55 | AUSTIN COMMUNITY COLLEGE |
| $304,371 | $304,371 | — | — | — | $304.37 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $304,371 | $301,371 | — | — | — | $235.70 | COUNTY ROAD FM |
Source: Bastrop County
Schools
School Info
- District
- Elgin ISD
- Elementary
- Trinity Ranch
- Middle
- Elgin
- High
- Elgin
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$2,381 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $2,381
- Principal & interest
- $1,618
- Property taxes
- $496
- Homeowners insurance
- $267
*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 | $256,000 | $2,861 | $16,556 | $253,139 | |
| 2 | $253,139 | $3,053 | $16,364 | $250,086 | |
| 3 | $250,086 | $3,257 | $16,160 | $246,828 | |
| 4 | $246,828 | $3,476 | $15,941 | $243,353 | |
| 5 | $243,353 | $3,708 | $15,709 | $239,644 | |
| 6 | $239,644 | $3,957 | $15,460 | $235,687 | |
| 7 | $235,687 | $4,222 | $15,195 | $231,466 | |
| 8 | $231,466 | $4,504 | $14,913 | $226,961 | |
| 9 | $226,961 | $4,806 | $14,611 | $222,155 | |
| 10 | $222,155 | $5,128 | $14,289 | $217,027 |
- Year 1$253,139
- Principal paid
- $2,861
- Interest paid
- $16,556
- Starting balance
- $256,000
- Year 2$250,086
- Principal paid
- $3,053
- Interest paid
- $16,364
- Starting balance
- $253,139
- Year 3$246,828
- Principal paid
- $3,257
- Interest paid
- $16,160
- Starting balance
- $250,086
- Year 4$243,353
- Principal paid
- $3,476
- Interest paid
- $15,941
- Starting balance
- $246,828
- Year 5$239,644
- Principal paid
- $3,708
- Interest paid
- $15,709
- Starting balance
- $243,353
- Year 6$235,687
- Principal paid
- $3,957
- Interest paid
- $15,460
- Starting balance
- $239,644
- Year 7$231,466
- Principal paid
- $4,222
- Interest paid
- $15,195
- Starting balance
- $235,687
- Year 8$226,961
- Principal paid
- $4,504
- Interest paid
- $14,913
- Starting balance
- $231,466
- Year 9$222,155
- Principal paid
- $4,806
- Interest paid
- $14,611
- Starting balance
- $226,961
- Year 10$217,027
- Principal paid
- $5,128
- Interest paid
- $14,289
- Starting balance
- $222,155
Nearby
12 closest listings to 109 Pine Cone LN, Elgin TX 78621 (within 2 miles).
Courtesy of Jeanette Shelby, Realtors · (512) 281-3412
Listings courtesy of ACTRIS as distributed by MLS GRID.