321 Zebra DR, Kyle TX 78640
Kyle, TX 78640 · North Trails Sub
Single Family Residence for sale in North Trails Sub
Overview
Property Description
What if you could purchase a $290,000 home with a 5.99% interest rate? With seller financing available at just 5.99%, qualified buyers can enjoy monthly principal and interest payments comparable to purchasing a home for approximately $247,000 at a higher interest rate! Prefer to keep more money in your pocket upfront? An alternative program offering 0% down may also be available for qualified buyers. Beyond financing, this charming two-story home offers something increasingly hard to find: a spacious layout, a shaded backyard, and NO HOA! Step inside to soaring ceilings, abundant natural light, and an open-concept living area featuring a cozy fireplace. The kitchen offers a gas range, generous pantry, and a sunlit dining space that flows into the living room, making everyday living and entertaining easy. The primary suite is conveniently located downstairs, offering privacy, a walk-in closet, and a bathroom with dual vanities. Upstairs, a versatile loft provides flexibility for a second living room, home office, or entertainment space, alongside additional bedrooms with wood-look flooring and ample closet space. Outside, the expansive covered patio overlooks a peaceful backyard filled with mature shade trees and green grass. Whether hosting friends, enjoying morning coffee, or relaxing, this is an outdoor space you'll actually want to spend time in. Located just minutes from H-E-B Plus!, Ascension Seton Hospital, shopping, dining, and I-35, with nearby access to Steeplechase Park and Lake Kyle, you'll enjoy the convenience of Kyle without sacrificing the quiet of home. At $290,000, with seller financing at 5.99% or potential 0%-down financing, this home offers more than just a place to live—it offers an opportunity to make homeownership more attainable. Schedule your private showing today and ask about financing options! Financing subject to buyer qualification and terms. Seller financing and 0%-down programs are separate options.
Financial Info
- Price
- $290,000
- $ / Sqft
- $184
- HOA
- None
- Tax Rate
- 2.4467%
- Est. Taxes
- $6,361.42
- Tax Year
- 2026
- Exemptions
- Homestead
Legal Info
- Address
- 321 Zebra DR
- County
- Hays
- City
- Kyle
- State
- TX
- Zip
- 78640
- Subdivision
- North Trails Sub
- Legal Description
- NORTH TRAILS SUB, BLOCK B, LOT 3
- Parcel
- 115740000B003002
Interior Features
- Floor
- Carpet, Tile, Vinyl
- Num Living
- 2
- Dining
- 1
- Kitchen
- Eat-in Kitchen, Pantry
- Appliances
- Dishwasher, Disposal, Gas Cooktop, Gas Range, Microwave, Refrigerator, Gas Water Heater
- Laundry
- Main Level
- Master Bed
- Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Fireplaces
- 1
- Fireplace Description
- Gas Log, Living Room, Wood Burning
- Interior Features
- Ceiling Fan(s), High Ceilings, Corain Counters, Eat-in Kitchen, Multiple Living Areas, Open Floorplan, Pantry, Primary Bedroom on Main, Walk-In Closet(s), Carbon Monoxide Detector(s), Smoke Detector(s), Screens, Window Coverings
General Info
- Beds
- 3 Total / 1 Main Level / 2 Other Level
- Full / Half Baths
- 2 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 2
- Year Built
- 2001 / Resale
- Square Feet
- 1,577 / Public Records
- Garages
- 2
- Garage Desc
- Attached, Door-Single, Driveway, Garage, Garage Door Opener, Garage Faces Front, Inside Entrance
- Foundation
- Slab
- Roof
- Composition
- Construction
- Brick Veneer, HardiPlank Type
- Acres
- 0.14
- Lot Description
- Back Yard, Curbs, Few Trees, Interior Lot, Landscaped, Trees-Medium (20 Ft - 40 Ft)
- Restrictions
- City Restrictions
- Flood Plain
- No
- View
- Neighborhood
- Water Access
- No
- Waterfront
- No
- Area
- HH
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
- Heat
- Central, Electric
- A C
- Ceiling Fan(s), Central Air, Electric
Exterior Features
- Fence
- Back Yard, Fenced, Wood
- Exterior Features
- Lighting, Private Yard, Covered, Front Porch, Patio
- Pool On Property
- No
- Area Amenities
- Cluster Mailbox, Curbs, High Speed Internet, Lake, Park
Rooms
Main level
- Primary Bedroom
Ceiling Fan(s), Full Bath, Walk-In Closet(s)
- Living Room
Ceiling Fan(s), High Ceilings
- Kitchen
Kitchn - Breakfast Area, Eat In Kitchen, Open to Family Room, Pantry
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Oct 22, 2026 | New Listing | — |
Taxes
- Owner
- OFFTERMATT, ALYSSA
- Legal
- NORTH TRAILS SUB, BLOCK B, LOT 3
- Geo ID
- 115740000B003002
- Exemption Type
- Homestead
- Detail
- Not provided by this county source
- MLS estimated annual taxes
- $6,361.42
- MLS tax year
- 2026
| Year | Land | Improvements | Market | Assessed |
|---|---|---|---|---|
| 2026 | $77,880 | $182,120 | $260,000 | $260,000 |
Source: Hays County
Schools
School Info
- District
- HaysCONSISD
- Elementary
- Susie Fuentes
- Middle
- Armando Chapa
- High
- Lehman
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$2,238 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $2,238
- Principal & interest
- $1,466
- Property taxes
- $530
- Homeowners insurance
- $242
*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 | $232,000 | $2,593 | $15,004 | $229,407 | |
| 2 | $229,407 | $2,767 | $14,830 | $226,640 | |
| 3 | $226,640 | $2,952 | $14,645 | $223,688 | |
| 4 | $223,688 | $3,150 | $14,447 | $220,538 | |
| 5 | $220,538 | $3,361 | $14,236 | $217,177 | |
| 6 | $217,177 | $3,586 | $14,011 | $213,592 | |
| 7 | $213,592 | $3,826 | $13,771 | $209,766 | |
| 8 | $209,766 | $4,082 | $13,515 | $205,683 | |
| 9 | $205,683 | $4,356 | $13,241 | $201,328 | |
| 10 | $201,328 | $4,647 | $12,949 | $196,681 |
- Year 1$229,407
- Principal paid
- $2,593
- Interest paid
- $15,004
- Starting balance
- $232,000
- Year 2$226,640
- Principal paid
- $2,767
- Interest paid
- $14,830
- Starting balance
- $229,407
- Year 3$223,688
- Principal paid
- $2,952
- Interest paid
- $14,645
- Starting balance
- $226,640
- Year 4$220,538
- Principal paid
- $3,150
- Interest paid
- $14,447
- Starting balance
- $223,688
- Year 5$217,177
- Principal paid
- $3,361
- Interest paid
- $14,236
- Starting balance
- $220,538
- Year 6$213,592
- Principal paid
- $3,586
- Interest paid
- $14,011
- Starting balance
- $217,177
- Year 7$209,766
- Principal paid
- $3,826
- Interest paid
- $13,771
- Starting balance
- $213,592
- Year 8$205,683
- Principal paid
- $4,082
- Interest paid
- $13,515
- Starting balance
- $209,766
- Year 9$201,328
- Principal paid
- $4,356
- Interest paid
- $13,241
- Starting balance
- $205,683
- Year 10$196,681
- Principal paid
- $4,647
- Interest paid
- $12,949
- Starting balance
- $201,328
Nearby
Courtesy of eXp Realty, LLC · (888) 519-7431
Listings courtesy of ACTRIS as distributed by MLS GRID.