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ActiveMLS #5311698

304 S Main ST, Elgin TX 78621

Elgin, TX 78621 · ELGIN CITY 003

Single Family Residence for sale in ELGIN CITY 003

3Bedrooms
2Bathrooms
1,510Square Ft
0.13Acres
0Garage
1940Year Built
Price Reduced
1 / 25
$254,000$310,000
3D tour

Overview

Property Description

1% Lender Credit available for Interest Rate Buydown or Closing Cost with lender approval. Step inside this charming Elgin gem, where a classic white picket fence sets the tone for a place that instantly feels like home — with bonus mixed-use potential. Just minutes from downtown restaurants and shops, it blends small-town charm with everyday convenience. Inside, you’ll find arched doorways, timeless character, wood + tile flooring, and a cozy nook perfect for reading or working. The spacious layout is ideal for living, entertaining, or even business use. The primary suite overlooks the backyard and features two walk-in closets. Out back, enjoy a large covered porch with a ceiling fan, a roomy yard, and a storage shed. With a 2019 roof and new dishwasher, refrigerator, and water heater, this one is truly move-in ready.

Financial Info
Price
$254,000
$ / Sqft
$168
HOA
None
Tax Rate
2.98%
Est. Taxes
$6,361.72
Tax Year
2025
Exemptions
None
Legal Info
Address
304 S Main ST
County
Bastrop
City
Elgin
State
TX
Zip
78621
Subdivision
ELGIN CITY 003
Legal Description
ELGIN CITY,DIV 6,LOT 2 (FR)
Parcel
000000014388
Interior Features
Floor
Tile, Wood
Num Living
1
Dining
0
Appliances
Dishwasher, Disposal, Electric Range, Microwave, Oven, Free-Standing Refrigerator, Washer/Dryer, Electric Water Heater
Laundry
In Hall
Master Bed
Primary Bedroom on Main
Master Main
Yes
Fireplace Description
None
Interior Features
Ceiling Fan(s), No Interior Steps, Primary Bedroom on Main, None, Drapes, Screens
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
1940 / Resale
Square Feet
1,510 / Public Records
Garage Desc
Off Street, Outside
Foundation
Pillar/Post/Pier
Roof
Composition
Construction
HardiPlank Type
Acres
0.13
Lot Description
Level, Trees-Large (Over 40 Ft), Trees-Medium (20 Ft - 40 Ft)
Restrictions
None
Flood Plain
No
View
City
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Electricity Available, Sewer Connected, Water Connected
Heat
Central
A C
Central Air
Exterior Features
Fence
Fenced, Privacy, Wood
Exterior Features
None, Covered, Patio, Porch
Pool On Property
No
Area Amenities
None

Price history

Days on market
−$56,000 (−18.1%)
$310,000 → $254,000
7
Price reductions
Active
Since Dec 12, 2025
Price trend
List priceDec 2025 → Sep 2026
Property history8 events
DateEventPriceChange
Sep 29, 2026Price Decrease$254,000−$5,000 (−1.9%)
Aug 13, 2026Price Decrease$259,000−$6,000 (−2.3%)
Apr 10, 2026Price Decrease$265,000−$10,000 (−3.6%)
Feb 10, 2026Price Decrease$275,000−$10,000 (−3.5%)
Jan 20, 2026Price Decrease$285,000−$9,000 (−3.1%)
Dec 29, 2025Price Decrease$294,000−$5,000 (−1.7%)
Dec 20, 2025Price Decrease$299,000−$11,000 (−3.5%)
Dec 12, 2025New Listing

Taxes

General Information
Owner
SCHAGEN, DEBORAH
Legal
ELGIN CITY,DIV 6,LOT 2 (FR)
Geo ID
14388
Acreage
0.13
Exemptions
Exemption Type
None on record
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
$6,361.72
MLS tax year
2025
CAD estimated taxes
$6,832.32
CAD source year
2026
Appraisal Values
YearLandImprovementsMarketAppraisedAssessed
2026$118,887$146,467$265,354$265,354$265,354
Assessments
CappedTaxableAssessedLand HSImp HSCAD Est. TaxTaxing Unit
$265,354$265,354———$930.04BASTROP COUNTY
$265,354$265,354———$3,246.34ELGIN ISD
$265,354$265,354———$1,643.33CITY OF ELGIN
$265,354$265,354———$265.35BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
$265,354$265,354———$274.38AUSTIN COMMUNITY COLLEGE
$265,354$265,354———$265.35BASTROP COUNTY EMERGENCY SVC DIST #3
$265,354$265,354———$207.53COUNTY ROAD FM

Source: Bastrop County

Schools

School Info
District
Elgin ISD
Elementary
Booker T Washington
Middle
Elgin
High
Elgin

Maps

Financing

Your preferences

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

Saved on this device

List price $254,000
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

$2,026 / mo

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

Estimated monthly payment $2,026

Principal & interest
$1,284
Property taxes
$530
Homeowners insurance
$212

*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$203,200$2,271$13,141$200,929
2$200,929$2,423$12,989$198,505
3$198,505$2,586$12,827$195,920
4$195,920$2,759$12,654$193,161
5$193,161$2,944$12,469$190,218
6$190,218$3,141$12,272$187,077
7$187,077$3,351$12,061$183,726
8$183,726$3,575$11,837$180,150
9$180,150$3,815$11,597$176,335
10$176,335$4,070$11,342$172,265
  • Year 1$200,929
    Principal paid
    $2,271
    Interest paid
    $13,141
    Starting balance
    $203,200
  • Year 2$198,505
    Principal paid
    $2,423
    Interest paid
    $12,989
    Starting balance
    $200,929
  • Year 3$195,920
    Principal paid
    $2,586
    Interest paid
    $12,827
    Starting balance
    $198,505
  • Year 4$193,161
    Principal paid
    $2,759
    Interest paid
    $12,654
    Starting balance
    $195,920
  • Year 5$190,218
    Principal paid
    $2,944
    Interest paid
    $12,469
    Starting balance
    $193,161
  • Year 6$187,077
    Principal paid
    $3,141
    Interest paid
    $12,272
    Starting balance
    $190,218
  • Year 7$183,726
    Principal paid
    $3,351
    Interest paid
    $12,061
    Starting balance
    $187,077
  • Year 8$180,150
    Principal paid
    $3,575
    Interest paid
    $11,837
    Starting balance
    $183,726
  • Year 9$176,335
    Principal paid
    $3,815
    Interest paid
    $11,597
    Starting balance
    $180,150
  • Year 10$172,265
    Principal paid
    $4,070
    Interest paid
    $11,342
    Starting balance
    $176,335
First 10 of 30 years

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Courtesy of Coldwell Banker Realty · (512) 233-4868

Listings courtesy of ACTRIS as distributed by MLS GRID.