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ActiveMLS #5209878

431 Lucky Ave, Elgin TX 78621

Elgin, TX 78621 · Trinity Ranch

Single Family Residence for sale in Trinity Ranch

5Bedrooms
3Bathrooms
2,439Square Ft
0.11Acres
2Garage
2026Year Built
New
1 / 14
$346,085
3D tour

Overview

Property Description

MLS# 5209878 - Built by Century Communities - Dec 2026 completion! ~ The two-story Bristol plan at The Ridge at Trinity Ranch offers ample space to meet your needs. Privately situated on the main floor, the owner's suite features a roomy walk-in closet and attached bath. Additional main-floor highlights include a second bedroom downstairs with a walk-in closet, a two-story foyer, a mudroom, and a spacious kitchen overlooking an open-concept dining area and great room. Upstairs, you'll enjoy a versatile loft space, plus three more bedrooms—two featuring walk-in closets.

Financial Info
Price
$346,085
$ / Sqft
$142
HOA
Yes - Mandatory / $625 / Annually
HOA Name
Neighborhood Management
HOA Includes
Common Area Maintenance, Maintenance Grounds
Tax Rate
2.76%
Tax Year
2026
Exemptions
None
Legal Info
Address
431 Lucky Ave
County
Bastrop
City
Elgin
State
TX
Zip
78621
Subdivision
Trinity Ranch
Legal Description
Trinity Ranch Phase 2, Section 2, BLOCK A, LOT 54
Parcel
8736669
Interior Features
Floor
Carpet, Vinyl
Num Living
1
Dining
1
Kitchen
Kitchen Island, Pantry
Appliances
Dishwasher, Disposal, Exhaust Fan, Gas Cooktop, Gas Range, Microwave, Free-Standing Gas Oven, Stainless Steel Appliance(s), Vented Exhaust Fan, Gas Water Heater
Laundry
Inside, Laundry Room, Main Level
Master Bed
Primary Bedroom on Main
Master Main
Yes
Interior Features
Electric Dryer Hookup, Kitchen Island, Low Flow Plumbing Fixtures, Open Floorplan, Pantry, Primary Bedroom on Main, Carbon Monoxide Detector(s), Smoke Detector(s), Double Pane Windows, Screens, Vinyl Windows
General Info
Beds
5 Total / 2 Main Level / 3 Other Level
Full / Half Baths
3 / 0
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
2026 / Under Construction
Square Feet
2,439 / Builder
Garages
2
Garage Desc
Attached, Driveway, Garage, Garage Faces Front, Lighted, Private
Foundation
Slab
Roof
Composition, Shingle
Construction
Frame, HardiPlank Type, Blown-In Insulation, Stone Veneer
Acres
0.11
Lot Description
Back Yard, Curbs, Front Yard, Landscaped, Level, Public Maintained Road
Restrictions
Building Size, Building Style
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Cable Available, Electricity Available, Internet-Cable, Internet-Fiber
Heat
Central, Exhaust Fan
A C
Central Air
Exterior Features
Fence
Back Yard, Gate, Privacy, Wood
Exterior Features
Lighting, Private Yard, Front Porch, Patio, Porch, Rear Porch
Pool On Property
No
Area Amenities
Cluster Mailbox, Common Grounds, Courtyard, Curbs, High Speed Internet, Park, Picnic Area, Planned Social Activities, Playground, Sidewalks, Sport Court(s)/Facility, Street Lights, Tennis Court(s), Underground Utilities

Rooms

Rooms7 rooms

Main level

  • Primary Bedroom

    Walk-In Closet(s)

  • Kitchen

    Center Island, Dining Area, Open to Family Room, Pantry

  • Living Room
  • Laundry
  • Primary Bathroom

    Quartz Counters, Dual Vanity, Walk-in Shower

  • Dining Room

Upper level

  • Loft

Price history

Days on market
$346,085
List price
0
Price reductions
Active
Since Oct 29, 2026
Property history1 event
DateEventPriceChange
Oct 29, 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 $346,085
Down payment
Stays 20% if you change the price
Note rate, not APR
No tax figure on this listing
*Estimated only (1% of price / yr)

Estimated monthly payment

$2,038 / mo

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

Estimated monthly payment $2,038, incomplete: some costs are unavailable

Principal & interest
$1,750
Property taxes
Unavailable
Homeowners insurance
$288

One or more costs are unavailable, so this total is incomplete.

*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$276,868$3,095$17,905$273,773
2$273,773$3,302$17,698$270,471
3$270,471$3,523$17,477$266,948
4$266,948$3,759$17,241$263,190
5$263,190$4,011$16,989$259,179
6$259,179$4,279$16,721$254,900
7$254,900$4,566$16,434$250,334
8$250,334$4,872$16,128$245,462
9$245,462$5,198$15,802$240,264
10$240,264$5,546$15,454$234,718
  • Year 1$273,773
    Principal paid
    $3,095
    Interest paid
    $17,905
    Starting balance
    $276,868
  • Year 2$270,471
    Principal paid
    $3,302
    Interest paid
    $17,698
    Starting balance
    $273,773
  • Year 3$266,948
    Principal paid
    $3,523
    Interest paid
    $17,477
    Starting balance
    $270,471
  • Year 4$263,190
    Principal paid
    $3,759
    Interest paid
    $17,241
    Starting balance
    $266,948
  • Year 5$259,179
    Principal paid
    $4,011
    Interest paid
    $16,989
    Starting balance
    $263,190
  • Year 6$254,900
    Principal paid
    $4,279
    Interest paid
    $16,721
    Starting balance
    $259,179
  • Year 7$250,334
    Principal paid
    $4,566
    Interest paid
    $16,434
    Starting balance
    $254,900
  • Year 8$245,462
    Principal paid
    $4,872
    Interest paid
    $16,128
    Starting balance
    $250,334
  • Year 9$240,264
    Principal paid
    $5,198
    Interest paid
    $15,802
    Starting balance
    $245,462
  • Year 10$234,718
    Principal paid
    $5,546
    Interest paid
    $15,454
    Starting balance
    $240,264
First 10 of 30 years

Nearby

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Listings courtesy of ACTRIS as distributed by MLS GRID.