537 Lower Elgin RD, Elgin TX 78621
Elgin, TX 78621 · Lower Elgin Road
Single Family Residence for sale in Lower Elgin Road
Overview
Property Description
USDA-ELIGIBLE AREA • NO HOA • 0.59 ACRES • BUILT 2023 NEW PRICE! Looking for the newer-home feel without the typical subdivision lifestyle? Built in 2023, this 3-bedroom, 2-bath home offers approximately 1,600 sq. ft. with an open-concept living, dining and kitchen area centered around a spacious island. The split-bedroom floor plan provides added privacy, with the primary suite separated from the two secondary bedrooms. Step outside to enjoy 0.59 acres of usable outdoor space, a covered patio and a large, like-new permanently affixed storage/workshop building. Private well and aerobic septic add to the property’s country-living appeal. Enjoy the flexibility of NO HOA and more than half an acre of space to make your own. Located in a USDA-eligible area; qualified buyers may be eligible for 100% financing, PLUS seller is offering up to $5,000 toward allowable buyer closing costs, prepaids and/or rate buydown with an acceptable offer. Buyer and property eligibility, loan approval and program requirements apply.
Financial Info
- Price
- $425,000
- $ / Sqft
- $266
- HOA
- None
- Tax Rate
- 1.44%
- Est. Taxes
- $4,754
- Tax Year
- 2026
- Exemptions
- Homestead
Legal Info
- Address
- 537 Lower Elgin RD
- County
- Bastrop
- City
- Elgin
- State
- TX
- Zip
- 78621
- Subdivision
- Lower Elgin Road
- Legal Description
- LOWER ELGIN ROAD SUBDIVISION, LOT 6, ACRES 0.593
- Parcel
- 8728815
Interior Features
- Floor
- Tile, Vinyl
- Num Living
- 1
- Dining
- 1
- Kitchen
- Granite Counters, Kitchen Island
- Appliances
- Dishwasher, Disposal, Electric Range, Exhaust Fan, Microwave
- Laundry
- Laundry Room
- Master Bed
- Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Interior Features
- Ceiling Fan(s), High Ceilings, Granite Counters, Quartz Counters, Double Vanity, Electric Dryer Hookup, Kitchen Island, Open Floorplan, Primary Bedroom on Main, Walk-In Closet(s), Washer Hookup, Security System, Smoke Detector(s), Vinyl Windows
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
- 2023 / Resale
- Square Feet
- 1,600 / Public Records
- Garages
- 2
- Garage Desc
- Additional Parking, Garage, Garage Door Opener, Garage Faces Front, Gravel
- Foundation
- Slab
- Roof
- Shingle
- Construction
- Masonry – Partial, Cement Siding, Stone
- Acres
- 0.59
- Lot Description
- Back Yard, Cleared, Front Yard, Trees-Medium (20 Ft - 40 Ft)
- Restrictions
- None
- Flood Plain
- No
- View
- Panoramic, Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- EL
Utility Info
- Water
- Public
- Sewer
- Septic Tank
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
- Heat
- Central
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- Wood
- Exterior Features
- Private Yard, Front Porch
- Pool On Property
- No
- Area Amenities
- None
Rooms
Main level
- Primary Bedroom
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Jul 30, 2026 | Price Decrease | $425,000−$14,000 (−3.2%) | −$14,000 (−3.2%) |
| Jul 10, 2026 | New Listing | — |
Taxes
- Owner
- MORALES, ANTONIO & DENISE
- Legal
- Lower Elgin Road Subdivision, LOT 6, ACRES 0.593
- Geo ID
- 8728815
- Acreage
- 0.59
- Exemption Type
- Homestead Local Option, Homestead
- T1
- BASTROP COUNTY
- T2
- ELGIN ISD
- 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
- $4,754
- MLS tax year
- 2026
- CAD estimated taxes
- $4,633.18
- CAD source year
- 2026
| Year | Land | Improvements | Market | Appraised | Assessed |
|---|---|---|---|---|---|
| 2026 | $85,053 | $239,849 | $324,902 | $324,902 | $324,902 |
| Capped | Taxable | Assessed | Land HS | Imp HS | CAD Est. Tax | Taxing Unit |
|---|---|---|---|---|---|---|
| $324,902 | $324,902 | — | — | — | $1,138.75 | BASTROP COUNTY |
| $324,902 | $184,902 | — | — | — | $2,262.09 | ELGIN ISD |
| $324,902 | $324,902 | — | — | — | $324.90 | BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1 |
| $324,902 | $319,902 | — | — | — | $330.78 | AUSTIN COMMUNITY COLLEGE |
| $324,902 | $324,902 | — | — | — | $324.90 | BASTROP COUNTY EMERGENCY SVC DIST #3 |
| $324,902 | $321,902 | — | — | — | $251.76 | COUNTY ROAD FM |
Source: Bastrop County
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
Estimated monthly payment
$2,899 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $2,899
- Principal & interest
- $2,149
- Property taxes
- $396
- Homeowners insurance
- $354
*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 | $340,000 | $3,800 | $21,988 | $336,200 | |
| 2 | $336,200 | $4,055 | $21,734 | $332,145 | |
| 3 | $332,145 | $4,326 | $21,462 | $327,819 | |
| 4 | $327,819 | $4,616 | $21,172 | $323,203 | |
| 5 | $323,203 | $4,925 | $20,863 | $318,277 | |
| 6 | $318,277 | $5,255 | $20,533 | $313,022 | |
| 7 | $313,022 | $5,607 | $20,181 | $307,415 | |
| 8 | $307,415 | $5,983 | $19,806 | $301,433 | |
| 9 | $301,433 | $6,383 | $19,405 | $295,050 | |
| 10 | $295,050 | $6,811 | $18,978 | $288,239 |
- Year 1$336,200
- Principal paid
- $3,800
- Interest paid
- $21,988
- Starting balance
- $340,000
- Year 2$332,145
- Principal paid
- $4,055
- Interest paid
- $21,734
- Starting balance
- $336,200
- Year 3$327,819
- Principal paid
- $4,326
- Interest paid
- $21,462
- Starting balance
- $332,145
- Year 4$323,203
- Principal paid
- $4,616
- Interest paid
- $21,172
- Starting balance
- $327,819
- Year 5$318,277
- Principal paid
- $4,925
- Interest paid
- $20,863
- Starting balance
- $323,203
- Year 6$313,022
- Principal paid
- $5,255
- Interest paid
- $20,533
- Starting balance
- $318,277
- Year 7$307,415
- Principal paid
- $5,607
- Interest paid
- $20,181
- Starting balance
- $313,022
- Year 8$301,433
- Principal paid
- $5,983
- Interest paid
- $19,806
- Starting balance
- $307,415
- Year 9$295,050
- Principal paid
- $6,383
- Interest paid
- $19,405
- Starting balance
- $301,433
- Year 10$288,239
- Principal paid
- $6,811
- Interest paid
- $18,978
- Starting balance
- $295,050
Nearby
12 closest listings to 537 Lower Elgin RD, Elgin TX 78621 (within 2 miles).
Courtesy of eXp Realty, LLC · (888) 519-7431
Listings courtesy of ACTRIS as distributed by MLS GRID.