200 Montego ST, Hutto TX 78634
Hutto, TX 78634 · COTTONWOOD CREEK
Single Family Residence for sale in COTTONWOOD CREEK
Overview
Property Description
Park views out front, privacy out back, and solar that’s fully paid off. This 2023-built two-story in Cottonwood Creek sits on one of the neighborhood’s premium lots, facing the HOA park across the street and backing to a utility easement instead of a neighbor’s fence. You get open green space from the front porch and a semi-private backyard, a combination new construction here simply can’t offer. With 3,055 square feet, five bedrooms, 2.5 baths, a dedicated office, and a flex room, the layout works for growing households, multigenerational living, or anyone who needs room to work from home. The main level features a private office and a primary suite with a walk-in closet, soaking tub, and separate walk-in shower. The open kitchen, dining, and living area flows to a walk-in pantry and dedicated laundry room, and a large under-stair closet adds storage most homes this size lack. Upstairs, four secondary bedrooms surround a spacious flex area ready to be a game room, media room, home gym, or second living space. The owned solar system will be paid off at closing, so the buyer takes it free and clear, with no lease, no loan to assume, and no monthly payment, just lower electric bills from day one. Cottonwood Creek offers two pools, a playground, the park across the street, and sidewalk-lined streets for walking and biking. Hutto ISD. Quick access to US-79 and SH-130 puts Round Rock, Georgetown, Pflugerville, Taylor, and Austin within easy reach, with Historic Downtown Hutto and the Co-Op District’s local restaurants, shops, and events close by.
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
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
| Date | Event | Price | Change |
|---|---|---|---|
| Aug 13, 2026 | New Listing | — |
Taxes
- Legal
- S13118 - COTTONWOOD PH 4, BLOCK N, Lot 13
- Geo ID
- 142029040N0013
- Exemption Type
- None on record
- Detail
- Not provided by this county source
- MLS estimated annual taxes
- $8,242
- MLS tax year
- 2025
| Year | Land | Improvements | Market | Assessed |
|---|---|---|---|---|
| 2026 | $79,000 | $334,085 | $413,085 | $413,085 |
Source: Williamson County
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
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.
| Year | Starting balance | Principal paid | Interest paid | Ending balance | Principal 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
Nearby
Courtesy of All City Real Estate Ltd. Co · (866) 277-6005
Listings courtesy of ACTRIS as distributed by MLS GRID.