123 Zacate ST, Elgin TX 78621
Elgin, TX 78621 · Monte Vista
Single Family Residence for sale in Monte Vista
Overview
Property Description
Welcome to a one-of-a-kind property situated on approximately .85 acres with space, privacy, and versatility. Inside the main home, you’ll find three spacious bedrooms and an open layout that brings the living, dining, and kitchen areas together. The kitchen makes a statement with sleek modern cabinetry, quartz countertops, glass-front accents, built-in appliances, an oversized island with plenty of seating, and a convenient pot filler that home cooks will appreciate. The detached garage features finished interior walls and durable epoxy flooring, creating a clean, polished space for parking, storage, a workshop, or a home gym. The expansive backyard is dotted with beautiful trees and offers endless possibilities for outdoor living - create a garden, add a play area, host weekend gatherings, or design the backyard oasis you’ve been dreaming of. A covered lower-level patio provides a shaded space for relaxing or entertaining, while the rooftop deck is perfect for slow mornings with coffee, colorful Texas sunsets, and evenings spent stargazing. A masonry privacy wall and two gated entrances - one from Zacate Street and another from Monte Vista Drive - add both privacy and convenient access. The property is equipped with a subsurface drip-dispersal septic system, which distributes treated wastewater underground without above-ground septic spray heads. Whole-house water filtration and softener systems convey, along with the appliances in both residences. Located near Tesla, Samsung, Dell Technologies, Austin-Bergstrom International Airport. An adjacent half-acre lot with utilities is also available for purchase separately.
Financial Info
- Price
- $520,000
- $ / Sqft
- $217
- HOA
- None
- Tax Rate
- 2.227%
- Est. Taxes
- $3,705
- Tax Year
- 2025
- Exemptions
- Homestead
Legal Info
- Address
- 123 Zacate ST
- County
- Bastrop
- City
- Elgin
- State
- TX
- Zip
- 78621
- Subdivision
- Monte Vista
- Legal Description
- MONTE VISTA SUBDIVISION BLK A LOT 21, ACRES .8520
- Parcel
- 8727400
Interior Features
- Floor
- Carpet, Tile
- Num Living
- 2
- Dining
- 1
- Kitchen
- Breakfast Bar, Eat-in Kitchen, Kitchen Island
- Appliances
- Built-In Electric Oven, Built-In Electric Range, Cooktop, Dishwasher, Disposal, Electric Cooktop, Exhaust Fan, Microwave, Electric Oven, RNGHD, Refrigerator, Stainless Steel Appliance(s), Washer/Dryer, Washer/Dryer Stacked, Water Softener Owned
- Laundry
- Inside, Laundry Room, Multiple Locations
- Master Bed
- Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Interior Features
- Breakfast Bar, Built-in Features, Ceiling Fan(s), High Ceilings, Vaulted Ceiling(s), Chandelier, Quartz Counters, Stone Counters, Double Vanity, Electric Dryer Hookup, Eat-in Kitchen, French Doors, In-Law Floorplan, Kitchen Island, Multiple Living Areas, Open Floorplan, Primary Bedroom on Main, Recessed Lighting, Soaking Tub, Stackable W/D Connections, Storage, Walk-In Closet(s), Washer Hookup, Security Fence, Smoke Detector(s), Aluminum Frames, Blinds
General Info
- Beds
- 4 Total / 4 Main Level
- Full / Half Baths
- 3 / 0
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 2023 / Resale
- Square Feet
- 2,400 / Builder
- Garages
- 2
- Garage Desc
- Detached, Electric Gate, Garage Door Opener, Garage Faces Front, Gated
- Foundation
- Slab
- Roof
- Composition, Shingle
- Construction
- Spray Foam Insulation, Masonry – Partial, Board & Batten Siding
- Acres
- 0.85
- Lot Description
- Alley Access, Back Yard, Cul-De-Sac, Private, Trees-Small (Under 20 Ft)
- Restrictions
- Deed Restrictions
- Flood Plain
- No
- View
- Garden, Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- EL
Utility Info
- Water
- Public
- Sewer
- Public Sewer, Septic Tank
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
- Heat
- Central
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- Back Yard, Fenced, Front Yard, Masonry, Partial, Stone, Wood, Wrought Iron
- Exterior Features
- Balcony, CCTYD, Exterior Steps, Gutters Partial, Private Entrance, Private Yard, Covered, Deck, Front Porch, Patio, Porch, Terrace
- Pool On Property
- No
- Area Amenities
- Suburban
Rooms
Main level
- Primary Bedroom
Ceiling Fan(s), Dual Vanity, Full Bath, Recessed Lighting, Separate Shower, Soaking Tub, Walk-In Closet(s), Walk-in Shower
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Oct 19, 2026 | Price Decrease | $520,000−$14,900 (−2.8%) | −$14,900 (−2.8%) |
| Sep 23, 2026 | Price Decrease | $534,900−$10,000 (−1.8%) | −$10,000 (−1.8%) |
| Sep 9, 2026 | Price Decrease | $544,900−$5,000 (−0.9%) | −$5,000 (−0.9%) |
| Aug 23, 2026 | New Listing | — |
Taxes
- Owner
- VALLE, VICTOR EDUARDO
- Legal
- Monte Vista Subdivision BLK A LOT 21, ACRES .8520.
- Geo ID
- 8727400
- Acreage
- 0.85
- Exemption Type
- None on record
- 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
- T8
- CENTEX DRAINAGE DISTRICT
- MLS estimated annual taxes
- $3,705
- MLS tax year
- 2025
- CAD estimated taxes
- $3,919.01
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $111,711 | $54,666 | $166,377 | $166,377 | $166,377 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $166,377 | $166,377 | — | — | — | $583.13 | BASTROP COUNTY |
| $166,377 | $166,377 | — | — | — | $2,035.46 | ELGIN ISD |
| $166,377 | $166,377 | — | — | — | $166.38 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $166,377 | $166,377 | — | — | — | $172.03 | AUSTIN COMMUNITY COLLEGE |
| $166,377 | $166,377 | — | — | — | $166.38 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $166,377 | $166,377 | — | — | — | $130.12 | COUNTY ROAD FM |
| $166,377 | $166,377 | — | — | — | $665.51 | CENTEX DRAINAGE DISTRICT |
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
$3,371 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $3,371
- Principal & interest
- $2,629
- Property taxes
- $309
- Homeowners insurance
- $433
*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 | $416,000 | $4,650 | $26,903 | $411,350 | |
| 2 | $411,350 | $4,961 | $26,592 | $406,389 | |
| 3 | $406,389 | $5,293 | $26,259 | $401,096 | |
| 4 | $401,096 | $5,648 | $25,905 | $395,448 | |
| 5 | $395,448 | $6,026 | $25,527 | $389,422 | |
| 6 | $389,422 | $6,430 | $25,123 | $382,992 | |
| 7 | $382,992 | $6,860 | $24,692 | $376,132 | |
| 8 | $376,132 | $7,320 | $24,233 | $368,812 | |
| 9 | $368,812 | $7,810 | $23,743 | $361,002 | |
| 10 | $361,002 | $8,333 | $23,220 | $352,669 |
- Year 1$411,350
- Principal paid
- $4,650
- Interest paid
- $26,903
- Starting balance
- $416,000
- Year 2$406,389
- Principal paid
- $4,961
- Interest paid
- $26,592
- Starting balance
- $411,350
- Year 3$401,096
- Principal paid
- $5,293
- Interest paid
- $26,259
- Starting balance
- $406,389
- Year 4$395,448
- Principal paid
- $5,648
- Interest paid
- $25,905
- Starting balance
- $401,096
- Year 5$389,422
- Principal paid
- $6,026
- Interest paid
- $25,527
- Starting balance
- $395,448
- Year 6$382,992
- Principal paid
- $6,430
- Interest paid
- $25,123
- Starting balance
- $389,422
- Year 7$376,132
- Principal paid
- $6,860
- Interest paid
- $24,692
- Starting balance
- $382,992
- Year 8$368,812
- Principal paid
- $7,320
- Interest paid
- $24,233
- Starting balance
- $376,132
- Year 9$361,002
- Principal paid
- $7,810
- Interest paid
- $23,743
- Starting balance
- $368,812
- Year 10$352,669
- Principal paid
- $8,333
- Interest paid
- $23,220
- Starting balance
- $361,002
Nearby
Courtesy of Realty Texas LLC · (800) 660-1022
Listings courtesy of ACTRIS as distributed by MLS GRID.