109 High Plains DR, Georgetown TX 78628
Georgetown, TX 78628 · Water Oak North Sec 4
Single Family Residence for sale in Water Oak North Sec 4
Overview
Property Description
** PRICE IMPROVEMENT + VALUE OPPORTUNITY ** Now offered at $495,000. Well below the $585,000 acquisition price presenting an immediate value opportunity in Water Oak with a motivated seller ** FIRST IMPRESSION ** Brick home with a rare 3-car garage. Durability, scale and flexibility stand out immediately ** LIVING EXPERIENCE ** Inside vaulted ceilings and expansive windows create a bright open feel with strong natural light. Wood and slate flooring provide a cohesive low-maintenance foundation. Layout flows naturally from kitchen to dining to living supporting both daily routines and entertaining ** KITCHEN + FLOW ** The kitchen is anchored by leathered granite countertops with a functional layout that stays connected to the main living areas ** PRIMARY SUITE ** The primary suite offers privacy with a well-appointed bath and direct access to the laundry for everyday convenience ** LOCATION + ACCESS ** Living here means being minutes from Historic Downtown Georgetown, Blue Hole Park and the San Gabriel Trail with easy access to dining outdoor recreation and daily essentials ** OUTDOOR POTENTIAL ** The backyard topography creates a unique opportunity with its elevated positioning lending itself to a terraced outdoor environment with potential for decking landscaping or a custom pool concept. See AI-generated rendering for inspiration. All improvements subject to buyer verification and all applicable city or HOA approvals ** THE OPPORTUNITY ** A home with strong fundamentals, rare garage capacity and upside for a buyer focused on both livability and long-term value.
Financial Info
- Price
- $469,900
- $ / Sqft
- $197
- HOA
- Yes - Mandatory / $193.75 / Quarterly
- HOA Name
- Water Oak at San Gabriel HOA
- HOA Includes
- Common Area Maintenance, Gas
- Tax Rate
- 2.4712%
- Est. Taxes
- $12,709
- Tax Year
- 2025
- Exemptions
- Homestead
Legal Info
- Address
- 109 High Plains DR
- County
- Williamson
- City
- Georgetown
- State
- TX
- Zip
- 78628
- Subdivision
- Water Oak North Sec 4
- Legal Description
- S12211 - WATER OAK NORTH SEC 4 PH 2, BLOCK P, LOT 26, ACRES 0.181
- Parcel
- 209981042P0026
Interior Features
- Floor
- Tile, Wood
- Num Living
- 1
- Dining
- 1
- Kitchen
- Breakfast Bar, Granite Counters, Kitchen Island, Pantry
- Appliances
- Built-In Electric Oven, Cooktop, Dishwasher, Disposal, Exhaust Fan, Gas Cooktop, Microwave, Oven, RNGHD, Free-Standing Refrigerator, Stainless Steel Appliance(s), Water Purifier Owned, WaterSoftener
- Laundry
- Inside, Laundry Room
- Master Bed
- Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Interior Features
- Breakfast Bar, Ceiling Fan(s), Vaulted Ceiling(s), Double Vanity, Granite Counters, High Ceilings, Kitchen Island, Primary Bedroom on Main, Open Floorplan, Pantry, Walk-In Closet(s), Tray Ceiling(s), Study/Home Office, Prewired, Smoke Detector(s), Blinds, Double Pane Windows, Vinyl Windows
General Info
- Beds
- 4 Total / 4 Main Level
- Full / Half Baths
- 2 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 2021 / Resale
- Square Feet
- 2,390 / Public Records
- Garages
- 3
- Garage Desc
- Concrete, Garage, Garage Faces Front
- Foundation
- Slab
- Roof
- Composition
- Construction
- Brick, Masonry – All Sides
- Acres
- 0.18
- Lot Description
- Back Yard, Close to Clubhouse, Gentle Sloping, Landscaped, Public Maintained Road, Sprinkler - In-ground, Trees-Small (Under 20 Ft), Trees-Sparse
- Restrictions
- None
- Flood Plain
- No
- View
- Neighborhood, Panoramic
- Water Access
- No
- Waterfront
- No
- Area
- GTW
Utility Info
- Water
- Municipal Utility District (MUD), Public
- Sewer
- Public Sewer
- Utilities
- Electricity Connected, Propane, Sewer Connected, Underground Utilities, Water Connected
- Heat
- Propane
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- Back Yard, Wood
- Exterior Features
- None, Covered, Front Porch, Patio, Rear Porch
- Pool On Property
- No
- Area Amenities
- Clubhouse, Cluster Mailbox, Common Grounds, Dog Park, Pet Amenities, Playground, Pool, Sidewalks, Street Lights, Suburban, Underground Utilities
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Jun 10, 2026 | Active Under Contract | — | |
| Jun 5, 2026 | Price Decrease | $469,900−$25,100 (−5.1%) | −$25,100 (−5.1%) |
| Apr 24, 2026 | New Listing | — |
Taxes
- Legal
- S12211 - WATER OAK NORTH SEC 4 PH 2, BLOCK P, Lot 26, ACRES 0.181
- Geo ID
- 209981042P0026
- Acreage
- 0.18
- Exemption Type
- None on record
- Detail
- Not provided by this county source
- MLS estimated annual taxes
- $12,709
- MLS tax year
- 2025
| Year | Land | Improvements | Market | Assessed |
|---|---|---|---|---|
| 2026 | $100,000 | $372,985 | $472,985 | $472,985 |
Disclaimer: Tax data provided by Williamson Central Appraisal District (2026 Williamson CAD Property export).
Schools
School Info
- District
- Georgetown ISD
- Elementary
- Wolf Ranch Elementary
- Middle
- James Tippit
- High
- East View
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$3,827 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $3,827
- Principal & interest
- $2,376
- Property taxes
- $1,059
- Homeowners insurance
- $392
*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 | $375,920 | $4,202 | $24,311 | $371,718 | |
| 2 | $371,718 | $4,483 | $24,030 | $367,235 | |
| 3 | $367,235 | $4,783 | $23,729 | $362,452 | |
| 4 | $362,452 | $5,104 | $23,409 | $357,348 | |
| 5 | $357,348 | $5,446 | $23,067 | $351,902 | |
| 6 | $351,902 | $5,810 | $22,703 | $346,092 | |
| 7 | $346,092 | $6,199 | $22,313 | $339,893 | |
| 8 | $339,893 | $6,615 | $21,898 | $333,278 | |
| 9 | $333,278 | $7,058 | $21,455 | $326,221 | |
| 10 | $326,221 | $7,530 | $20,983 | $318,690 |
- Year 1$371,718
- Principal paid
- $4,202
- Interest paid
- $24,311
- Starting balance
- $375,920
- Year 2$367,235
- Principal paid
- $4,483
- Interest paid
- $24,030
- Starting balance
- $371,718
- Year 3$362,452
- Principal paid
- $4,783
- Interest paid
- $23,729
- Starting balance
- $367,235
- Year 4$357,348
- Principal paid
- $5,104
- Interest paid
- $23,409
- Starting balance
- $362,452
- Year 5$351,902
- Principal paid
- $5,446
- Interest paid
- $23,067
- Starting balance
- $357,348
- Year 6$346,092
- Principal paid
- $5,810
- Interest paid
- $22,703
- Starting balance
- $351,902
- Year 7$339,893
- Principal paid
- $6,199
- Interest paid
- $22,313
- Starting balance
- $346,092
- Year 8$333,278
- Principal paid
- $6,615
- Interest paid
- $21,898
- Starting balance
- $339,893
- Year 9$326,221
- Principal paid
- $7,058
- Interest paid
- $21,455
- Starting balance
- $333,278
- Year 10$318,690
- Principal paid
- $7,530
- Interest paid
- $20,983
- Starting balance
- $326,221
Nearby
Courtesy of DEN Property Group · (512) 222-3364
Listings courtesy of ACTRIS as distributed by MLS GRID.