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ActiveMLS #8517240

204 W Point WAY, Elgin TX 78621

Elgin, TX 78621 · Saratoga Farms Sub Sec

Single Family Residence for sale in Saratoga Farms Sub Sec

3Bedrooms
2 full / 1 halfBathrooms
1,629Square Ft
0.14Acres
2Garage
2019Year Built
New
$295,000

Overview

Property Description

This home offers a wonderful balance of comfort, quality, and location. The kitchen features beautiful granite countertops, while the upstairs bathrooms are finished with quartz countertops, providing both style and durability. The surrounding community reflects the best of small-town living, where neighbors know each other, local businesses support one another, and there is always something happening to bring people together. Elgin is collaborative, welcoming, and fun. Just minutes away, Elgin's vibrant historic downtown offers locally owned shops, restaurants, coffee spots, live music, festivals, and community events throughout the year. Downtown serves as the heart of the community - a place where people gather, connect, and celebrate what makes Elgin unique. The location is a standout highlight. The home is within walking distance of the future Aviators development, an exciting project that will include an amphitheater, retail shops, restaurants, and gathering spaces. It's a rare opportunity to be steps from one of Elgin's most anticipated destinations while still enjoying the charm and character the area is known for. Elgin offers the convenience of proximity to Austin while maintaining a more relaxed pace of life, strong community connections, and a rich sense of history. The unique combination of small-town charm, a thriving downtown, and exciting future opportunities makes this an exceptional place to live.

Financial Info
Price
$295,000
$ / Sqft
$181
HOA
Yes - Mandatory / $50 / Quarterly
HOA Name
Residential Communit
HOA Includes
Common Area Maintenance
Tax Rate
2.95%
Est. Taxes
$6,500
Tax Year
2026
Exemptions
None
Legal Info
Address
204 W Point WAY
County
Bastrop
City
Elgin
State
TX
Zip
78621
Subdivision
Saratoga Farms Sub Sec
Legal Description
SARATOGA FARMS SUBDIVISION SECTION FOUR, BLOCK C, LOT 38, ACRES 0.139
Parcel
8705954
Interior Features
Floor
Carpet, Tile
Num Living
1
Dining
1
Kitchen
Granite Counters
Appliances
Dishwasher, Disposal, Exhaust Fan, Microwave, Oven, Free-Standing Range, Electric Water Heater
Laundry
Laundry Closet
Master Bed
Walk-In Closet(s)
Master Main
No
Fireplace Description
None
Interior Features
High Ceilings, Granite Counters, Recessed Lighting, Walk-In Closet(s), Smoke Detector(s), See Remarks
General Info
Beds
3 Total / 3 Other Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
2019 / Resale
Square Feet
1,629 / Public Records
Garages
2
Garage Desc
Attached, Door-Single, Garage Faces Front
Foundation
Slab
Roof
Composition
Construction
HardiPlank Type, Masonry – All Sides, Stone Veneer, Stucco
Acres
0.14
Lot Description
Cul-De-Sac, Curbs, Sprinkler - Back Yard, Sprinklers In Front, Sprinkler - Side Yard
Restrictions
None
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Private, Public
Sewer
Public Sewer
Utilities
Electricity Available, Phone Connected, Underground Utilities
Heat
Central
A C
Central Air
Exterior Features
Fence
Fenced, Wood
Exterior Features
Gutters Partial, Pest Tubes in Walls, Private Yard, Covered, Patio
Pool On Property
No
Area Amenities
Cluster Mailbox, Underground Utilities

Price history

Days on market
$295,000
List price
0
Price reductions
Active
Since Nov 3, 2026
Property history1 event
DateEventPriceChange
Nov 3, 2026New Listing

Taxes

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

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

List price $295,000
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

$2,280 / mo

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

Estimated monthly payment $2,280

Principal & interest
$1,492
Property taxes
$542
Homeowners insurance
$246

*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$236,000$2,638$15,262$233,362
2$233,362$2,814$15,086$230,548
3$230,548$3,003$14,897$227,545
4$227,545$3,204$14,696$224,341
5$224,341$3,419$14,481$220,922
6$220,922$3,648$14,253$217,274
7$217,274$3,892$14,008$213,382
8$213,382$4,153$13,748$209,230
9$209,230$4,431$13,469$204,799
10$204,799$4,727$13,173$200,072
  • Year 1$233,362
    Principal paid
    $2,638
    Interest paid
    $15,262
    Starting balance
    $236,000
  • Year 2$230,548
    Principal paid
    $2,814
    Interest paid
    $15,086
    Starting balance
    $233,362
  • Year 3$227,545
    Principal paid
    $3,003
    Interest paid
    $14,897
    Starting balance
    $230,548
  • Year 4$224,341
    Principal paid
    $3,204
    Interest paid
    $14,696
    Starting balance
    $227,545
  • Year 5$220,922
    Principal paid
    $3,419
    Interest paid
    $14,481
    Starting balance
    $224,341
  • Year 6$217,274
    Principal paid
    $3,648
    Interest paid
    $14,253
    Starting balance
    $220,922
  • Year 7$213,382
    Principal paid
    $3,892
    Interest paid
    $14,008
    Starting balance
    $217,274
  • Year 8$209,230
    Principal paid
    $4,153
    Interest paid
    $13,748
    Starting balance
    $213,382
  • Year 9$204,799
    Principal paid
    $4,431
    Interest paid
    $13,469
    Starting balance
    $209,230
  • Year 10$200,072
    Principal paid
    $4,727
    Interest paid
    $13,173
    Starting balance
    $204,799
First 10 of 30 years

Nearby

Courtesy of Keller Williams City-View · (210) 696-9996

Listings courtesy of ACTRIS as distributed by MLS GRID.