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ActiveMLS #9198708

200 Montego ST, Hutto TX 78634

Hutto, TX 78634 · COTTONWOOD CREEK

Single Family Residence for sale in COTTONWOOD CREEK

5Bedrooms
2 full / 1 halfBathrooms
3,055Square Ft
0.11Acres
2Garage
2023Year Built
1 / 39
$379,900
3D tour

Overview

Property Description

The solar panels are paid off at closing. The next owner takes the system free and clear — no lease, no loan assumption, no monthly payment. Five-bedroom, 2.5-bathroom two-story home built in 2023 with 3,055 square feet on a premium lot in Cottonwood Creek, Hutto, Texas. The home faces the HOA-owned neighborhood park across the street — open green space in front instead of another rooftop. Behind it, the backyard backs to a utility easement rather than a neighboring fence line, making it a semi-private yard. Hutto ISD. That lot placement is the difference. New construction in Cottonwood Creek can't reproduce it — the park-front position and the easement buffer are fixed features of this lot, and pairing them with 3,055 square feet is not something a buyer can order from a builder here. The main level includes a private home office and the primary suite with a walk-in closet, soaking tub, and separate walk-in shower. The open-concept kitchen, dining, and living area connects to a walk-in pantry and a dedicated laundry room. A large under-stair storage closet handles the overflow most floor plans this size don't account for. Upstairs, four secondary bedrooms surround a large flex space that works as a game room, media room, home gym, playroom, or second living area. Owned solar panels offset most of the monthly electric costs. Cottonwood Creek amenities include two swimming pools, the park across the street, a playground, and sidewalk-lined streets for walking and biking. Minutes from US-79 and SH-130, with direct access to Round Rock, Taylor, Georgetown, Pflugerville, and Austin. Historic Downtown Hutto and the Hutto Co-Op District offer locally owned restaurants, shops, and live events nearby. Five bedrooms, an office, a flex room, owned solar, and a premium park-front lot in Cottonwood Creek — Hutto, TX 78634.

Financial Info
Price
$379,900
$ / Sqft
$124
HOA
Yes - Mandatory / $65 / Quarterly
HOA Name
Cottonwood Creek
HOA Includes
Common Area Maintenance
Tax Rate
2.16%
Est. Taxes
$8,242
Tax Year
2025
Exemptions
Homestead
Legal Info
Address
200 Montego ST
County
Williamson
City
Hutto
State
TX
Zip
78634
Subdivision
COTTONWOOD CREEK
Legal Description
S13118 - COTTONWOOD PH 4, BLOCK N, LOT 13
Parcel
142029040N0013
Interior Features
Floor
Carpet, Vinyl
Num Living
2
Dining
1
Kitchen
Eat-in Kitchen, Kitchen Island, Pantry
Appliances
Cooktop, Dishwasher, Disposal, Gas Cooktop, Microwave, Refrigerator, Washer/Dryer
Laundry
Inside, Laundry Room
Master Bed
Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
Master Main
Yes
Interior Features
Ceiling Fan(s), High Ceilings, Quartz Counters, Stone Counters, Double Vanity, Eat-in Kitchen, Kitchen Island, Multiple Living Areas, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Soaking Tub, Storage, Study/Home Office, Walk-In Closet(s), Prewired, Blinds, Double Pane Windows
General Info
Beds
5 Total / 1 Main Level / 4 Other Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
2023 / Resale
Square Feet
3,055 / Public Records
Garages
2
Garage Desc
Driveway, Garage, Garage Faces Front
Foundation
Slab
Roof
Composition, Shingle
Construction
Brick, HardiPlank Type
Acres
0.11
Lot Description
Back Yard, Curbs, Few Trees, Sprinkler - Automatic
Restrictions
See Remarks
Flood Plain
See Remarks
View
None
Water Access
No
Waterfront
No
Area
HU
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Cable Available, Electricity Available, Internet-Cable, Phone Available, Sewer Available, Water Available
Heat
Central
A C
Ceiling Fan(s), Central Air
Exterior Features
Fence
Back Yard, Wood
Exterior Features
Private Yard, Rear Porch
Pool On Property
No
Area Amenities
Cluster Mailbox, Park, Playground, Pool, Sidewalks, Sport Court(s)/Facility

Rooms

Rooms3 rooms

Main level

  • Office
  • Primary Bedroom

    Dual Vanity, Full Bath, Recessed Lighting, Separate Shower, Soaking Tub, Walk-In Closet(s)

Second level

  • Game Room

    Recessed Lighting, See Remarks

Price history

Members only
Days on market
$379,900
List price
0
Price reductions
Active
Since Aug 13, 2026
Property history1 event
DateEventPriceChange
Aug 13, 2026New Listing

Taxes

General Information
Legal
S13118 - COTTONWOOD PH 4, BLOCK N, Lot 13
Geo ID
142029040N0013
Exemptions
Exemption Type
None on record
Taxing Units
Detail
Not provided by this county source
Tax Summary
MLS estimated annual taxes
$8,242
MLS tax year
2025
Appraisal Values
YearLandImprovementsMarketAssessed
2026$79,000$334,085$413,085$413,085

Disclaimer: Tax data provided by Williamson Central Appraisal District (2026 Williamson CAD Property export).

Schools

School Info
District
Hutto ISD
Elementary
Cottonwood Creek
Middle
Farley
High
Hutto

Maps

Financing

Your preferences

  • 20% down
  • Conv/Jumbo
  • 30 years
  • 6.50% rate

Saved on this device

List price $379,900
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

$2,925 / mo

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

Estimated monthly payment $2,925

Principal & interest
$1,921
Property taxes
$687
Homeowners insurance
$317

*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$303,920$3,397$19,655$300,523
2$300,523$3,624$19,427$296,899
3$296,899$3,867$19,185$293,031
4$293,031$4,126$18,926$288,905
5$288,905$4,403$18,649$284,502
6$284,502$4,697$18,354$279,805
7$279,805$5,012$18,040$274,793
8$274,793$5,348$17,704$269,445
9$269,445$5,706$17,346$263,740
10$263,740$6,088$16,964$257,652
  • Year 1$300,523
    Principal paid
    $3,397
    Interest paid
    $19,655
    Starting balance
    $303,920
  • Year 2$296,899
    Principal paid
    $3,624
    Interest paid
    $19,427
    Starting balance
    $300,523
  • Year 3$293,031
    Principal paid
    $3,867
    Interest paid
    $19,185
    Starting balance
    $296,899
  • Year 4$288,905
    Principal paid
    $4,126
    Interest paid
    $18,926
    Starting balance
    $293,031
  • Year 5$284,502
    Principal paid
    $4,403
    Interest paid
    $18,649
    Starting balance
    $288,905
  • Year 6$279,805
    Principal paid
    $4,697
    Interest paid
    $18,354
    Starting balance
    $284,502
  • Year 7$274,793
    Principal paid
    $5,012
    Interest paid
    $18,040
    Starting balance
    $279,805
  • Year 8$269,445
    Principal paid
    $5,348
    Interest paid
    $17,704
    Starting balance
    $274,793
  • Year 9$263,740
    Principal paid
    $5,706
    Interest paid
    $17,346
    Starting balance
    $269,445
  • Year 10$257,652
    Principal paid
    $6,088
    Interest paid
    $16,964
    Starting balance
    $263,740
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.