304 S Main ST, Elgin TX 78621
Elgin, TX 78621 · ELGIN CITY 003
Single Family Residence for sale in ELGIN CITY 003
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
- $259,000
- $ / Sqft
- $172
- 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
| Date | Event | Price | Change |
|---|---|---|---|
| Aug 13, 2026 | Price Decrease | $259,000−$6,000 (−2.3%) | −$6,000 (−2.3%) |
| Apr 10, 2026 | Price Decrease | $265,000−$10,000 (−3.6%) | −$10,000 (−3.6%) |
| Feb 10, 2026 | Price Decrease | $275,000−$10,000 (−3.5%) | −$10,000 (−3.5%) |
| Jan 20, 2026 | Price Decrease | $285,000−$9,000 (−3.1%) | −$9,000 (−3.1%) |
| Dec 29, 2025 | Price Decrease | $294,000−$5,000 (−1.7%) | −$5,000 (−1.7%) |
| Dec 20, 2025 | Price Decrease | $299,000−$11,000 (−3.5%) | −$11,000 (−3.5%) |
| Dec 12, 2025 | New Listing | — |
Taxes
- Owner
- SCHAGEN, DEBORAH
- Legal
- ELGIN CITY,DIV 6,LOT 2 (FR)
- Geo ID
- 14388
- Acreage
- 0.13
- Exemption Type
- None on record
- 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
- MLS estimated annual taxes
- $6,361.72
- MLS tax year
- 2025
- CAD estimated taxes
- $6,832.32
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $118,887 | $146,467 | $265,354 | $265,354 | $265,354 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $265,354 | $265,354 | — | — | — | $930.04 | BASTROP COUNTY |
| $265,354 | $265,354 | — | — | — | $3,246.34 | ELGIN ISD |
| $265,354 | $265,354 | — | — | — | $1,643.33 | CITY OF ELGIN |
| $265,354 | $265,354 | — | — | — | $265.35 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $265,354 | $265,354 | — | — | — | $274.38 | AUSTIN COMMUNITY COLLEGE |
| $265,354 | $265,354 | — | — | — | $265.35 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $265,354 | $265,354 | — | — | — | $207.53 | 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
- Booker T Washington
- Middle
- Elgin
- High
- Elgin
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$2,056 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $2,056
- Principal & interest
- $1,310
- Property taxes
- $530
- Homeowners insurance
- $216
*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 | $207,200 | $2,316 | $13,400 | $204,884 | |
| 2 | $204,884 | $2,471 | $13,245 | $202,413 | |
| 3 | $202,413 | $2,637 | $13,079 | $199,777 | |
| 4 | $199,777 | $2,813 | $12,903 | $196,963 | |
| 5 | $196,963 | $3,001 | $12,714 | $193,962 | |
| 6 | $193,962 | $3,203 | $12,513 | $190,759 | |
| 7 | $190,759 | $3,417 | $12,299 | $187,342 | |
| 8 | $187,342 | $3,646 | $12,070 | $183,697 | |
| 9 | $183,697 | $3,890 | $11,826 | $179,807 | |
| 10 | $179,807 | $4,151 | $11,565 | $175,656 |
- Year 1$204,884
- Principal paid
- $2,316
- Interest paid
- $13,400
- Starting balance
- $207,200
- Year 2$202,413
- Principal paid
- $2,471
- Interest paid
- $13,245
- Starting balance
- $204,884
- Year 3$199,777
- Principal paid
- $2,637
- Interest paid
- $13,079
- Starting balance
- $202,413
- Year 4$196,963
- Principal paid
- $2,813
- Interest paid
- $12,903
- Starting balance
- $199,777
- Year 5$193,962
- Principal paid
- $3,001
- Interest paid
- $12,714
- Starting balance
- $196,963
- Year 6$190,759
- Principal paid
- $3,203
- Interest paid
- $12,513
- Starting balance
- $193,962
- Year 7$187,342
- Principal paid
- $3,417
- Interest paid
- $12,299
- Starting balance
- $190,759
- Year 8$183,697
- Principal paid
- $3,646
- Interest paid
- $12,070
- Starting balance
- $187,342
- Year 9$179,807
- Principal paid
- $3,890
- Interest paid
- $11,826
- Starting balance
- $183,697
- Year 10$175,656
- Principal paid
- $4,151
- Interest paid
- $11,565
- Starting balance
- $179,807
Nearby
Courtesy of Coldwell Banker Realty · (512) 233-4868
Listings courtesy of ACTRIS as distributed by MLS GRID.