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18616 Speculator Ln 6964896Edit search
Active Under ContractMLS #6964896

18616 Speculator LN, Elgin TX 78621

Elgin, TX 78621 · Homestead Estates

Single Family Residence for sale in Homestead Estates

4Bedrooms
2Bathrooms
1,794Square Ft
0.15Acres
2Garage
2020Year Built
1 / 27
$249,900

Overview

Property Description

Move-in ready in Homestead Estates. This single-story 4-bedroom, 2-bath home has just been refreshed with brand-new carpet, fresh interior paint throughout, and updated landscaping — turnkey and waiting for you. The open layout keeps the kitchen, dining, and living areas connected, with a two-car attached garage and a fenced backyard ready for weekends outdoors. Homestead Estates residents enjoy a neighborhood park, playground, dog park, walking trails, and a covered picnic pavilion, all within Elgin ISD and a short walk to Elgin High School. Quick access to US-290 puts you roughly 25 minutes from Austin and an easy commute to Tesla, Samsung, and Applied Materials. Low annual HOA. Schedule your showing today.

Financial Info
Price
$249,900
$ / Sqft
$139
HOA
Yes - Mandatory / $420 / Annually
HOA Name
Homestead Estates
HOA Includes
Common Area Maintenance
Tax Rate
3.08363%
Est. Taxes
$5,976
Tax Year
2026
Exemptions
Homestead
Legal Info
Address
18616 Speculator LN
County
Travis
City
Elgin
State
TX
Zip
78621
Subdivision
Homestead Estates
Legal Description
Lot 3, Block E, Section 1
Parcel
06470801030000
Interior Features
Floor
Carpet, Vinyl
Num Living
1
Dining
1
Kitchen
Breakfast Bar, Granite Counters, Pantry
Appliances
Dishwasher, Disposal, Electric Cooktop, Exhaust Fan, Microwave, Oven, Free-Standing Range, Refrigerator, Self Cleaning Oven, Electric Water Heater
Laundry
Laundry Room, Main Level
Master Bed
Primary Bedroom on Main, Walk-In Closet(s)
Master Main
Yes
Fireplace Description
None
Interior Features
Breakfast Bar, Granite Counters, Pantry, Primary Bedroom on Main, Walk-In Closet(s), None, Window Treatments
General Info
Beds
4 Total / 4 Main Level
Full / Half Baths
2 / 0
Prop Type
Residential
Property Type
Single Family Residence
Stories
1
Year Built
2020 / Resale
Square Feet
1,794 / Builder
Garages
2
Garage Desc
Attached, Garage, Garage Door Opener
Foundation
Slab
Roof
Composition
Construction
HardiPlank Type, Masonry – Partial
Acres
0.15
Lot Description
None
Restrictions
Deed Restrictions
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Private
Sewer
Public Sewer
Utilities
Electricity Available, Other, Phone Available
Heat
Central, Electric
A C
Central Air
Exterior Features
Fence
Fenced, Wood
Exterior Features
None
Pool On Property
No
Area Amenities
BBQ Pit/Grill, Cluster Mailbox, Common Grounds, Dog Park, Park, Picnic Area, Playground

Price history

Members only
Days on market
$249,900
List price
0
Price reductions
Active Under Contract
Since Aug 6, 2026
Property history2 events
DateEventPriceChange
Sep 11, 2026Active Under Contract
Aug 6, 2026New Listing

Taxes

Tax data isn’t available for this property’s county yet.

Schools

School Info
District
Elgin ISD
Elementary
Neidig
Middle
Elgin
High
Elgin

Maps

Financing

Your preferences

  • 20% down
  • Conv/Jumbo
  • 30 years
  • 6.50% rate

Saved on this device

List price $249,900
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

$1,970 / mo

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

Estimated monthly payment $1,970

Principal & interest
$1,264
Property taxes
$498
Homeowners insurance
$208

*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$199,920$2,235$12,929$197,685
2$197,685$2,384$12,779$195,301
3$195,301$2,544$12,620$192,757
4$192,757$2,714$12,449$190,043
5$190,043$2,896$12,268$187,147
6$187,147$3,090$12,074$184,057
7$184,057$3,297$11,867$180,760
8$180,760$3,518$11,646$177,242
9$177,242$3,753$11,410$173,489
10$173,489$4,005$11,159$169,484
  • Year 1$197,685
    Principal paid
    $2,235
    Interest paid
    $12,929
    Starting balance
    $199,920
  • Year 2$195,301
    Principal paid
    $2,384
    Interest paid
    $12,779
    Starting balance
    $197,685
  • Year 3$192,757
    Principal paid
    $2,544
    Interest paid
    $12,620
    Starting balance
    $195,301
  • Year 4$190,043
    Principal paid
    $2,714
    Interest paid
    $12,449
    Starting balance
    $192,757
  • Year 5$187,147
    Principal paid
    $2,896
    Interest paid
    $12,268
    Starting balance
    $190,043
  • Year 6$184,057
    Principal paid
    $3,090
    Interest paid
    $12,074
    Starting balance
    $187,147
  • Year 7$180,760
    Principal paid
    $3,297
    Interest paid
    $11,867
    Starting balance
    $184,057
  • Year 8$177,242
    Principal paid
    $3,518
    Interest paid
    $11,646
    Starting balance
    $180,760
  • Year 9$173,489
    Principal paid
    $3,753
    Interest paid
    $11,410
    Starting balance
    $177,242
  • Year 10$169,484
    Principal paid
    $4,005
    Interest paid
    $11,159
    Starting balance
    $173,489
First 10 of 30 years

Nearby

Courtesy of Compass RE Texas, LLC · (512) 575-3644

Listings courtesy of ACTRIS as distributed by MLS GRID.