118 Camino De Agua, Elgin TX 78621
Elgin, TX 78621 · Las Colinas Estates Subdivisio
Single Family Residence for sale in Las Colinas Estates Subdivisio
Overview
Property Description
**BANK OWNED PROPERTY. Information contained herein is deemed reliable but not guaranteed and is provided for informational purposes only. Buyer and buyer's agent are solely responsible for independently verifying all information, facts, measurements, and condition of the property prior to closing.** Tucked behind a private gate at the end of a cul-de-sac in Las Colinas Estates, 118 Camino De Agua sits on over half an acre and backs to 54 acres of private land with no rear neighbors, just open, quiet views. Natural light pours through the home with an open open-concept living space that is anchored by a kitchen with white quartz counters, a large island, and real character. Downstairs has 3 bedrooms, while the primary suite claims the entire second floor as its own — a true retreat with high ceilings and a striking chandelier that sets the tone the moment you walk in. The en-suite bath is just as impressive, with a soaking tub, separate shower, quartz counters, and beautiful fixtures throughout. Out back, the yard is spacious and private, with plenty of room to add a pool or shop. The back steps have recently been redone. This bank-owned home does need some work and is being sold as-is, with electricity currently off — but for a buyer ready to bring their vision, this is a rare combination of privacy, space, and character at a price that reflects the opportunity.
Financial Info
- Price
- $359,900
- $ / Sqft
- $203
- HOA
- None
- Tax Rate
- 1.9555%
- Est. Taxes
- $7,449
- Tax Year
- 2025
- Exemptions
- None
Legal Info
- Address
- 118 Camino De Agua
- County
- Bastrop
- City
- Elgin
- State
- TX
- Zip
- 78621
- Subdivision
- Las Colinas Estates Subdivisio
- Legal Description
- LAS COLINAS ESTATES SUBDIVISION, BLOCK F, LOT 48, ACRES 0.558
- Parcel
- 8702233
Interior Features
- Floor
- Laminate, Tile
- Num Living
- 1
- Dining
- 1
- Kitchen
- Breakfast Bar, Kitchen Island
- Appliances
- Dishwasher, Disposal, Microwave
- Laundry
- Inside, Laundry Room, Lower Level
- Master Bed
- Double Vanity, Walk-In Closet(s)
- Master Main
- Yes
- Fireplace Description
- None
- Interior Features
- Breakfast Bar, Ceiling Fan(s), High Ceilings, Tray Ceiling(s), Chandelier, Quartz Counters, Double Vanity, Electric Dryer Hookup, French Doors, Interior Steps, Kitchen Island, Recessed Lighting, Soaking Tub, Walk-In Closet(s), Washer Hookup, None
General Info
- Beds
- 3 Total / 2 Main Level / 1 Other Level
- Full / Half Baths
- 2 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 2
- Year Built
- 2018 / Resale
- Square Feet
- 1,770 / Public Records
- Garage Desc
- Gated, Gravel, Outside, Parking Pad
- Foundation
- Pillar/Post/Pier, Slab
- Roof
- Composition
- Construction
- HardiPlank Type
- Acres
- 0.56
- Lot Description
- Back Yard, Cleared, Cul-De-Sac, Few Trees, Front Yard, Gentle Sloping, Interior Lot
- Restrictions
- None
- Flood Plain
- No
- View
- Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- EL
Utility Info
- Water
- Municipal Utility District (MUD)
- Sewer
- Septic Tank
- Utilities
- Electricity Available
- Heat
- Central
- A C
- Central Air
Exterior Features
- Fence
- Chain Link, Fenced, Wood
- Exterior Features
- Exterior Steps, Lighting, Private Entrance, Private Yard, Covered, Front Porch, Patio, Porch, Rear Porch
- Pool On Property
- No
- Area Amenities
- None
Rooms
Second level
- Primary Bedroom
Chandelier, Full Bath, High Ceilings, Tray Ceiling(s), Walk-In Closet(s)
- Primary Bathroom
Quartz Counters, Dual Vanity, Full Bath, High Ceilings, Separate Shower, Soaking Tub
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 15, 2026 | Price Decrease | $359,900−$10,000 (−2.7%) | −$10,000 (−2.7%) |
| Aug 31, 2026 | Price Decrease | $369,900−$10,000 (−2.6%) | −$10,000 (−2.6%) |
| Aug 3, 2026 | Price Decrease | $379,900−$9,100 (−2.3%) | −$9,100 (−2.3%) |
| Jul 16, 2026 | New Listing | — |
Taxes
- Owner
- FIRST NATIONAL BANK OF AMERICA
- Legal
- Las Colinas Estates Subdivision, BLOCK F, LOT 48, ACRES 0.558
- Geo ID
- 8702233
- Acreage
- 0.56
- 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
- $7,449
- MLS tax year
- 2025
- CAD estimated taxes
- $6,565.97
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $162,119 | $269,912 | $432,031 | $432,031 | $423,740 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $423,740 | $423,740 | — | — | — | $1,485.17 | BASTROP COUNTY |
| $423,740 | $283,740 | — | — | — | $3,471.28 | ELGIN ISD |
| $423,740 | $423,740 | — | — | — | $423.74 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $423,740 | $418,740 | — | — | — | $432.98 | AUSTIN COMMUNITY COLLEGE |
| $423,740 | $423,740 | — | — | — | $423.74 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $423,740 | $420,740 | — | — | — | $329.06 | 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
Estimated monthly payment
$2,741 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $2,741
- Principal & interest
- $1,820
- Property taxes
- $621
- Homeowners insurance
- $300
*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 | $287,920 | $3,218 | $18,620 | $284,702 | |
| 2 | $284,702 | $3,434 | $18,405 | $281,268 | |
| 3 | $281,268 | $3,664 | $18,175 | $277,605 | |
| 4 | $277,605 | $3,909 | $17,929 | $273,696 | |
| 5 | $273,696 | $4,171 | $17,667 | $269,525 | |
| 6 | $269,525 | $4,450 | $17,388 | $265,075 | |
| 7 | $265,075 | $4,748 | $17,090 | $260,326 | |
| 8 | $260,326 | $5,066 | $16,772 | $255,260 | |
| 9 | $255,260 | $5,405 | $16,433 | $249,855 | |
| 10 | $249,855 | $5,767 | $16,071 | $244,087 |
- Year 1$284,702
- Principal paid
- $3,218
- Interest paid
- $18,620
- Starting balance
- $287,920
- Year 2$281,268
- Principal paid
- $3,434
- Interest paid
- $18,405
- Starting balance
- $284,702
- Year 3$277,605
- Principal paid
- $3,664
- Interest paid
- $18,175
- Starting balance
- $281,268
- Year 4$273,696
- Principal paid
- $3,909
- Interest paid
- $17,929
- Starting balance
- $277,605
- Year 5$269,525
- Principal paid
- $4,171
- Interest paid
- $17,667
- Starting balance
- $273,696
- Year 6$265,075
- Principal paid
- $4,450
- Interest paid
- $17,388
- Starting balance
- $269,525
- Year 7$260,326
- Principal paid
- $4,748
- Interest paid
- $17,090
- Starting balance
- $265,075
- Year 8$255,260
- Principal paid
- $5,066
- Interest paid
- $16,772
- Starting balance
- $260,326
- Year 9$249,855
- Principal paid
- $5,405
- Interest paid
- $16,433
- Starting balance
- $255,260
- Year 10$244,087
- Principal paid
- $5,767
- Interest paid
- $16,071
- Starting balance
- $249,855
Nearby
Courtesy of Crider Realty, LLC · (512) 402-2912
Listings courtesy of ACTRIS as distributed by MLS GRID.