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PendingMLS #8706464

581 Highway 95 Highway S, Elgin TX 78621

Elgin, TX 78621 · Stoval, Geo H

Single Family Residence for sale in Stoval, Geo H

3Bedrooms
2 full / 1 halfBathrooms
1,980Square Ft
2.49Acres
0Garage
2002Year Built
1 / 30
$479,000$499,000

Overview

Property Description

This property sits directly on Highway 95, just minutes from Elgin and Bastrop, giving you easy access north toward Taylor, west towards Austin and south towards Bastrop. It’s the kind of location that works for real life with quick trips to town, strong visibility while still giving you room to spread out. The home sits on approximately 2.5 acres, offering usable land with frontage, flexibility, and space that’s getting harder to find this close to town. The workshop/outbuilding (30' x 40') is a major value-add. It’s ideal for tools, storage, hobbies, or a small business setup, especially with the highway access. An oversized carport designed to fit two full-size trucks, ideal for daily drivers, work vehicles, or equipment access. This property makes sense for someone who needs land that actually works. The house itself is solid and functional, but the real win here is the combination of location, acreage, and utility. Properties like this don’t come up often with land, access, and a workshop, all in one place, close to town. If you want space, visibility, and flexibility, this one checks those boxes.

Financial Info
Price
$479,000
$ / Sqft
$242
HOA
None
Tax Rate
1.9555%
Est. Taxes
$7,200
Tax Year
2025
Exemptions
Homestead
Legal Info
Address
581 Highway 95 Highway S
County
Bastrop
City
Elgin
State
TX
Zip
78621
Subdivision
Stoval, Geo H
Legal Description
ABS A303 STOVAL, GEO. H.,2.492 ACRES
Parcel
73524
Interior Features
Floor
See Remarks, Carpet
Num Living
1
Dining
1
Appliances
Dishwasher, Disposal, Free-Standing Gas Range
Laundry
Laundry Room
Master Bed
Walk-In Closet(s)
Master Main
Yes
Interior Features
See Remarks, Ceiling Fan(s), Vaulted Ceiling(s), Walk-In Closet(s)
General Info
Beds
3 Total / 3 Main Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
1
Year Built
2002 / Resale
Square Feet
1,980 / Public Records
Garage Desc
See Remarks, Carport
Foundation
Slab
Roof
Composition
Construction
Asphalt, Brick Veneer, Masonry – All Sides
Acres
2.49
Lot Description
See Remarks
Restrictions
None
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
EL
Utility Info
Water
Public
Sewer
Septic Tank
Utilities
Electricity Connected, Propane, Sewer Connected, Water Connected
Heat
Central
A C
Central Air
Exterior Features
Fence
See Remarks
Exterior Features
No Exterior Steps, Private Yard, Covered, Front Porch, Patio
Pool On Property
No
Area Amenities
None

Price history

Members only
Days on market
−$20,000 (−4%)
$499,000 → $479,000
2
Price reductions
Pending
Since Jan 27, 2026
Price trend
List priceJan 2026May 2026
Property history4 events
DateEventPriceChange
Aug 28, 2026Pending
May 11, 2026Price Decrease$479,000−$10,000 (−2%)
Feb 18, 2026Price Decrease$489,000−$10,000 (−2%)
Jan 27, 2026New Listing

Taxes

General Information
Owner
YOUNG, KAREAM & EBONY WHITE
Legal
ABS A303 Stoval, Geo. H.,2.492 ACRES
Geo ID
73524
Acreage
2.49
Exemptions
Exemption Type
Homestead Local Option, Homestead
Taxing Units
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
Tax Summary
MLS estimated annual taxes
$7,200
MLS tax year
2025
CAD estimated taxes
$7,851.42
CAD source year
2026
Appraisal Values
YearLandImprovementsMarketAppraisedAssessed
2026$233,724$255,751$489,475$489,475$489,475
Assessments
CappedTaxableAssessedLand HSImp HSCAD Est. TaxTaxing Unit
$489,475$489,475$1,715.56BASTROP COUNTY
$489,475$349,475$4,275.48ELGIN ISD
$489,475$489,475$489.48BASTROP-TRAVIS COUNTIES EMERGENCY SERVICES DISTRICT NO. 1
$489,475$484,475$500.95AUSTIN COMMUNITY COLLEGE
$489,475$489,475$489.48BASTROP COUNTY EMERGENCY SVC DIST #3
$489,475$486,475$380.47COUNTY 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

List price $479,000
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

$3,421 / mo

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

Estimated monthly payment $3,421

Principal & interest
$2,422
Property taxes
$600
Homeowners insurance
$399

*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$383,200$4,283$24,782$378,917
2$378,917$4,570$24,495$374,347
3$374,347$4,876$24,189$369,471
4$369,471$5,203$23,862$364,268
5$364,268$5,551$23,514$358,717
6$358,717$5,923$23,142$352,794
7$352,794$6,319$22,746$346,475
8$346,475$6,743$22,322$339,732
9$339,732$7,194$21,871$332,538
10$332,538$7,676$21,389$324,862
  • Year 1$378,917
    Principal paid
    $4,283
    Interest paid
    $24,782
    Starting balance
    $383,200
  • Year 2$374,347
    Principal paid
    $4,570
    Interest paid
    $24,495
    Starting balance
    $378,917
  • Year 3$369,471
    Principal paid
    $4,876
    Interest paid
    $24,189
    Starting balance
    $374,347
  • Year 4$364,268
    Principal paid
    $5,203
    Interest paid
    $23,862
    Starting balance
    $369,471
  • Year 5$358,717
    Principal paid
    $5,551
    Interest paid
    $23,514
    Starting balance
    $364,268
  • Year 6$352,794
    Principal paid
    $5,923
    Interest paid
    $23,142
    Starting balance
    $358,717
  • Year 7$346,475
    Principal paid
    $6,319
    Interest paid
    $22,746
    Starting balance
    $352,794
  • Year 8$339,732
    Principal paid
    $6,743
    Interest paid
    $22,322
    Starting balance
    $346,475
  • Year 9$332,538
    Principal paid
    $7,194
    Interest paid
    $21,871
    Starting balance
    $339,732
  • Year 10$324,862
    Principal paid
    $7,676
    Interest paid
    $21,389
    Starting balance
    $332,538
First 10 of 30 years

Nearby

Courtesy of All City Real Estate Ltd. Co · (866) 277-6005

Listings courtesy of ACTRIS as distributed by MLS GRID.