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ActiveMLS #3676003

321 Zebra DR, Kyle TX 78640

Kyle, TX 78640 · North Trails Sub

Single Family Residence for sale in North Trails Sub

3Bedrooms
2 full / 1 halfBathrooms
1,577Square Ft
0.14Acres
2Garage
2001Year Built
1 / 26
$290,000

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

Rooms3 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

Days on market
$290,000
List price
0
Price reductions
Active
Since Oct 22, 2026
Property history1 event
DateEventPriceChange
Oct 22, 2026New Listing

Taxes

General Information
Owner
OFFTERMATT, ALYSSA
Legal
NORTH TRAILS SUB, BLOCK B, LOT 3
Geo ID
115740000B003002
Exemptions
Exemption Type
Homestead
Taxing Units
Detail
Not provided by this county source
Tax Summary
MLS estimated annual taxes
$6,361.42
MLS tax year
2026
Appraisal Values
YearLandImprovementsMarketAssessed
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

List price $290,000
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

$2,238 / 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.

Principal, interest and balance for each year
YearStarting balancePrincipal paidInterest paidEnding balancePrincipal 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
First 10 of 30 years

Nearby

Courtesy of eXp Realty, LLC · (888) 519-7431

Listings courtesy of ACTRIS as distributed by MLS GRID.