ActiveMLS #5423569

123 Saranac DR, Elgin TX 78621

Name: 123 Saranac DR, Elgin, TX 78621
SKU: 5423569
Price: 225000 USD
Availability: InStock

Elgin, TX 78621 · Saratoga Farms Sub Sec

Single Family Residence for sale in Saratoga Farms Sub Sec

$240,000

$225,000

1,274

0.16

2018

Price Reduced

1 / 14

$225,000$240,000

Overview

Property Description

$10,000 INCENTIVE FOR CLOSING OR RATE BUY DOWN!!! There's something special about a home that just feels easy to live in, and 123 Saranac Drive is exactly that. This move in ready 3-bedroom, 2-bathroom home offers a comfortable, functional layout with abundant natural light! The open-concept living, dining, and kitchen areas create a bright, welcoming space that's perfect for entertaining or simply enjoying everyday life. The spacious backyard offers plenty of room to relax, garden, play, or host gatherings, giving you the flexibility to make it your own. Located in the growing community of Elgin, this home offers small-town charm with everyday convenience. Enjoy easy access to local schools, shopping, dining, and a convenient commute to Samsung, Tesla, and SpaceX, making it an excellent choice for those working in Central Texas' expanding technology and manufacturing corridor.

Financial Info

Price: $225,000
$ / Sqft: $177
HOA: Yes - Mandatory / $50 / Quarterly
HOA Name: Saratoga Farms HOA
HOA Includes: Common Area Maintenance
Tax Rate: 2.57%
Est. Taxes: $6,381.71
Tax Year: 2026
Exemptions: Homestead

Legal Info

Address: 123 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 62, ACRES 0.164
Parcel: 8705978

Interior Features

Floor: Carpet, Tile
Num Living: 1
Dining: 1
Kitchen: Granite Counters, Eat-in Kitchen, Pantry
Appliances: Dishwasher, Disposal, Electric Range, Microwave
Laundry: Laundry Room
Master Bed: Primary Bedroom on Main, Walk-In Closet(s)
Master Main: Yes
Interior Features: High Ceilings, Vaulted Ceiling(s), Granite Counters, Electric Dryer Hookup, Eat-in Kitchen, Entrance Foyer, No Interior Steps, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Walk-In Closet(s), Washer Hookup, Smoke Detector(s), Blinds, Double Pane Windows

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: 1,274 / Public Records
Garages: 2
Garage Desc: Attached, Door-Single, Driveway, Garage, Garage Door Opener, Garage Faces Front
Foundation: Slab
Roof: Composition, Shingle
Construction: HardiPlank Type, Board & Batten Siding, Stone
Acres: 0.16
Lot Description: Back Yard, Front Yard, Interior Lot, Landscaped, Level, Private
Restrictions: Deed Restrictions
Flood Plain: No
View: None
Water Access: No
Waterfront: No
Area: EL

Utility Info

Water: Public
Sewer: Public Sewer
Utilities: Cable Available, Electricity Connected, Internet-Cable, Sewer Connected, Water Connected
Heat: Central
A C: Central Air

Exterior Features

Fence: Back Yard, Fenced, Gate, Privacy, Wood
Exterior Features: Exterior Steps, Private Yard, None
Pool On Property: No
Area Amenities: Cluster Mailbox

Price history

Members only

Days on market

−$15,000 (−6.3%)

$240,000 → $225,000

Price reductions

Active

Since Aug 10, 2026

Price trend

List priceAug 2026 → Sep 2026

Property history3 events

Date	Event	Price	Change
Sep 18, 2026	Price Decrease	$225,000−$10,000 (−4.3%)	−$10,000 (−4.3%)
Aug 28, 2026	Price Decrease	$235,000−$5,000 (−2.1%)	−$5,000 (−2.1%)
Aug 10, 2026	New Listing		—

Taxes

General Information

Owner: NEISWENDER, KEVIN D & FELECIA
Legal: Saratoga Farms Subdivision Section Four, BLOCK C, LOT 62, ACRES 0.164
Geo ID: 8705978
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: $6,381.71
MLS tax year: 2026
CAD estimated taxes: $4,848.97
CAD source year: 2026

Appraisal Values

Year	Land	Improvements	Market	Appraised	Assessed
2026	$68,795	$186,341	$255,136	$255,136	$255,136

Assessments

Capped	Taxable	Assessed	Land HS	Imp HS	CAD Est. Tax	Taxing Unit
$255,136	$255,136	—	—	—	$894.23	BASTROP COUNTY
$255,136	$115,136	—	—	—	$1,408.57	ELGIN ISD
$255,136	$255,136	—	—	—	$1,580.05	CITY OF ELGIN
$255,136	$255,136	—	—	—	$255.14	BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
$255,136	$250,136	—	—	—	$258.64	AUSTIN COMMUNITY COLLEGE
$255,136	$255,136	—	—	—	$255.14	BASTROP COUNTY EMERGENCY SVC DIST #3
$255,136	$252,136	—	—	—	$197.20	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 $225,000

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

$1,858 / mo

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

Principal & interest: $1,138
Property taxes: $532
Homeowners insurance: $188

*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	$180,000	$2,012	$11,641	$177,988
2	$177,988	$2,147	$11,506	$175,841
3	$175,841	$2,290	$11,362	$173,551
4	$173,551	$2,444	$11,209	$171,107
5	$171,107	$2,607	$11,045	$168,500
6	$168,500	$2,782	$10,871	$165,718
7	$165,718	$2,968	$10,684	$162,749
8	$162,749	$3,167	$10,485	$159,582
9	$159,582	$3,379	$10,273	$156,203
10	$156,203	$3,606	$10,047	$152,597

Year 1$177,988
Principal paid
$2,012
Interest paid
$11,641
Starting balance
$180,000
Year 2$175,841
Principal paid
$2,147
Interest paid
$11,506
Starting balance
$177,988
Year 3$173,551
Principal paid
$2,290
Interest paid
$11,362
Starting balance
$175,841
Year 4$171,107
Principal paid
$2,444
Interest paid
$11,209
Starting balance
$173,551
Year 5$168,500
Principal paid
$2,607
Interest paid
$11,045
Starting balance
$171,107
Year 6$165,718
Principal paid
$2,782
Interest paid
$10,871
Starting balance
$168,500
Year 7$162,749
Principal paid
$2,968
Interest paid
$10,684
Starting balance
$165,718
Year 8$159,582
Principal paid
$3,167
Interest paid
$10,485
Starting balance
$162,749
Year 9$156,203
Principal paid
$3,379
Interest paid
$10,273
Starting balance
$159,582
Year 10$152,597
Principal paid
$3,606
Interest paid
$10,047
Starting balance
$156,203

First 10 of 30 years

Nearby

Courtesy of Jeanette Shelby, Realtors · (512) 281-3412

Listings courtesy of ACTRIS as distributed by MLS GRID.