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ActiveMLS #8538729

195 White Horses DR, Kyle TX 78640

Kyle, TX 78640 · Crosswinds Ph 5A/5B

Single Family Residence for sale in Crosswinds Ph 5A/5B

3Bedrooms
2 full / 1 halfBathrooms
1,948Square Ft
0.12Acres
2Garage
2023Year Built
Price Reduced
1 / 37
$298,000$325,000
3D tour

Overview

Property Description

Why wait to build when you can move into this like-new 2023 home today? Located in the highly desirable master-planned Crosswinds community in Kyle, this 3-bedroom, 2.5-bath home offers 1,948 square feet of thoughtfully designed living space. The two-story floor plan features an open-concept main level that's perfect for everyday living and entertaining, while all three bedrooms are privately situated upstairs along with a versatile loft that makes an ideal second living area, home office, or playroom. Crosswinds is known for its outstanding resort-style amenities, including the Windy Point Amenity Center with a community pool and splash pad, pickleball and basketball courts, playgrounds, dog park, picnic and grilling areas, open green spaces, and miles of walking and biking trails that connect the neighborhood. Conveniently located just minutes from I-35, shopping, dining, and schools, this move-in-ready home offers the perfect blend of modern living, community amenities, and exceptional value.

Financial Info
Price
$298,000
$ / Sqft
$153
HOA
Yes - Mandatory / $55 / Monthly
HOA Name
Crosswinds
HOA Includes
Common Area Maintenance
Tax Rate
2.75%
Est. Taxes
$10,242
Tax Year
2025
Exemptions
None
Legal Info
Address
195 White Horses DR
County
Hays
City
Kyle
State
TX
Zip
78640
Subdivision
Crosswinds Ph 5A/5B
Legal Description
CROSSWINDS PHASES 5A/5B, BLOCK WW, LOT 13, 5049 SQUARE FEET
Parcel
11221600WW013002
Interior Features
Floor
Carpet, Laminate
Num Living
1
Dining
1
Kitchen
Breakfast Bar, Granite Counters, Eat-in Kitchen, Kitchen Island, Pantry
Appliances
Gas Range, Free-Standing Gas Oven
Laundry
In Hall, Laundry Room
Master Bed
Primary Bedroom on Main
Master Main
Yes
Interior Features
Breakfast Bar, Ceiling Fan(s), Granite Counters, Eat-in Kitchen, Interior Steps, Kitchen Island, Multiple Living Areas, Pantry, Primary Bedroom on Main, Recessed Lighting, Smoke Detector(s), Double Pane Windows, Insulated Windows, Vinyl Windows, Window Treatments
General Info
Beds
3 Total / 3 Other Level
Full / Half Baths
2 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
2023 / Resale
Square Feet
1,948 / Public Records
Garages
2
Garage Desc
Garage
Foundation
Slab
Roof
Composition
Construction
HardiPlank Type, Stone, Stucco
Acres
0.12
Lot Description
Level, Sprinkler - In-ground
Restrictions
City Restrictions
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
HH
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Electricity Connected, Natural Gas Connected
Heat
Central
A C
Central Air
Exterior Features
Fence
Back Yard, Wood
Exterior Features
Private Yard, Rear Porch
Pool On Property
No
Area Amenities
BBQ Pit/Grill, Clubhouse, Cluster Mailbox, Common Grounds, Park, Pool, Sport Court(s)/Facility

Rooms

Rooms7 rooms

Main level

  • Kitchen

    Breakfast Bar, Center Island, GranCnt, Eat In Kitchen, Open to Family Room, Pantry, Recessed Lighting

  • Bathroom

    Half Bath

  • Dining Room

    Recessed Lighting

  • Living Room

    Ceiling Fan(s), Recessed Lighting

  • Primary Bedroom

    Ceiling Fan(s), Full Bath, Recessed Lighting

First level

  • Bedroom

    Full Bath, Recessed Lighting

  • Bedroom

    Ceiling Fan(s)

Price history

Days on market
−$27,000 (−8.3%)
$325,000 → $298,000
1
Price reduction
Active
Since Jun 26, 2026
Price trend
List priceJun 2026 → Nov 2026
Property history2 events
DateEventPriceChange
Nov 6, 2026Price Decrease$298,000−$27,000 (−8.3%)
Jun 26, 2026New Listing

Taxes

General Information
Owner
FERRARO, CHRISTIAN DAVID
Legal
CROSSWINDS PHASES 5A/5B, BLOCK WW, Lot 13, 5049 SQUARE FEET
Geo ID
11221600WW013002
Exemptions
Exemption Type
Homestead
Taxing Units
Detail
Not provided by this county source
Tax Summary
MLS estimated annual taxes
$10,242
MLS tax year
2025
Appraisal Values
YearLandImprovementsMarketAssessed
2026$92,750$279,570$372,320$372,320

Source: Hays County

Schools

School Info
District
HaysCONSISD
Elementary
Ralph Pfluger
Middle
Armando Chapa
High
Lehman

Maps

Financing

Your preferences

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

Saved on this device

List price $298,000
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

$2,609 / mo

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

Estimated monthly payment $2,609

Principal & interest
$1,507
Property taxes
$854
Homeowners insurance
$248

*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$238,400$2,665$15,418$235,735
2$235,735$2,843$15,239$232,892
3$232,892$3,034$15,049$229,859
4$229,859$3,237$14,846$226,622
5$226,622$3,453$14,629$223,169
6$223,169$3,685$14,397$219,484
7$219,484$3,932$14,151$215,552
8$215,552$4,195$13,887$211,358
9$211,358$4,476$13,606$206,882
10$206,882$4,775$13,307$202,106
  • Year 1$235,735
    Principal paid
    $2,665
    Interest paid
    $15,418
    Starting balance
    $238,400
  • Year 2$232,892
    Principal paid
    $2,843
    Interest paid
    $15,239
    Starting balance
    $235,735
  • Year 3$229,859
    Principal paid
    $3,034
    Interest paid
    $15,049
    Starting balance
    $232,892
  • Year 4$226,622
    Principal paid
    $3,237
    Interest paid
    $14,846
    Starting balance
    $229,859
  • Year 5$223,169
    Principal paid
    $3,453
    Interest paid
    $14,629
    Starting balance
    $226,622
  • Year 6$219,484
    Principal paid
    $3,685
    Interest paid
    $14,397
    Starting balance
    $223,169
  • Year 7$215,552
    Principal paid
    $3,932
    Interest paid
    $14,151
    Starting balance
    $219,484
  • Year 8$211,358
    Principal paid
    $4,195
    Interest paid
    $13,887
    Starting balance
    $215,552
  • Year 9$206,882
    Principal paid
    $4,476
    Interest paid
    $13,606
    Starting balance
    $211,358
  • Year 10$202,106
    Principal paid
    $4,775
    Interest paid
    $13,307
    Starting balance
    $206,882
First 10 of 30 years

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Courtesy of Bramlett Partners · (512) 850-5717

Listings courtesy of ACTRIS as distributed by MLS GRID.