200 Montego ST, Hutto TX 78634
Hutto, TX 78634 · COTTONWOOD CREEK
Single Family Residence for sale in COTTONWOOD CREEK
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
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 |
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
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.