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ActiveMLS #1205994

404 Jackson River LOOP, Kyle TX 78640

Kyle, TX 78640 · 6 Creeks at Waterridge 55s

Single Family Residence for sale in 6 Creeks at Waterridge 55s

4Bedrooms
4 full / 1 halfBathrooms
2,593Square Ft
0.19Acres
3Garage
2025Year Built
Price Reduced
1 / 36
$585,000$595,000
3D tour

Overview

Property Description

$595,000 + $7,500 seller credit with acceptable offer, usable toward closing costs or rate buydown subject to lender approval! ASSUMABLE RATE at 4.99%!! You also skip lender closing costs if you go this route Why build new when you can have better & without the wait? Welcome to The Surrey, a truly exceptional home that offers the best of both worlds: The peace of mind of a nearly brand-new home, paired with the elevated finishes & thoughtful design you'd expect from a model home. Completed just months ago, this single-story residence has been meticulously designed w/ upgrades and designer selections already in place so you can skip the construction timeline, upgrade decisions (& costs!) and builder process and simply move in. Soaring 16.5-foot ceilings and dramatic 10-foot sliding glass doors fill the open living spaces w/ natural light, creating an impressive sense of scale while seamlessly connecting the kitchen, dining & living areas to the covered patio. The kitchen is designed to be both beautiful & functional, w/ a statement island, premium finishes & abundant storage, while custom built-ins add an elevated, finished feel throughout the main living space. The thoughtfully designed floor plan offers four spacious bedrooms, each w/ ensuite bath access, a private office & a generous entertainment room. The secluded primary suite feels like a retreat, complete with an oversized shower, dual vanities and an expansive walk-in closet. Then there's the financial advantage: $595,000 + $7,500 seller credit w/ acceptable offer, usable toward closing costs or rate buydown subject to lender approval! OR An assumable mortgage at an attractive 4.99% interest rate may be available to qualified buyers. In a market where buying new often means waiting, upgrading & paying more to get the look you want, this home offers a rare opportunity to have it all: brand-new construction, elevated finishes, immediate availability and a potentially significant financing advantage.

Financial Info
Price
$585,000
$ / Sqft
$226
HOA
Yes - Mandatory / $800 / Annually
HOA Name
6 Creeks
HOA Includes
Common Area Maintenance, Maintenance Grounds
Tax Rate
1.82%
Est. Taxes
$1,739.81
Tax Year
2025
Exemptions
None
Legal Info
Address
404 Jackson River LOOP
County
Hays
City
Kyle
State
TX
Zip
78640
Subdivision
6 Creeks at Waterridge 55s
Legal Description
6 CREEKS PHASE 1 SECTION 8B, BLOCK H, Lot 18
Parcel
R191746
Interior Features
Floor
Carpet, Tile, Wood
Num Living
1
Dining
1
Kitchen
Kitchen Island
Appliances
Built-In Electric Oven, Built-In Gas Range, Dishwasher, Disposal, ENERGY STAR Qualified Appliances, Exhaust Fan, Microwave, Plumbed For Ice Maker, Self Cleaning Oven, Stainless Steel Appliance(s), Tankless Water Heater
Laundry
Laundry Room, Main Level
Master Bed
Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
Master Main
Yes
Fireplaces
1
Fireplace Description
Family Room, Gas Starter, Masonry
Interior Features
Built-in Features, Ceiling Fan(s), Cathedral Ceiling(s), Double Vanity, Entrance Foyer, In-Law Floorplan, Kitchen Island, Recessed Lighting, Primary Bedroom on Main, Open Floorplan, Walk-In Closet(s), Smart Thermostat, Storage, Wired for Data, Electric Dryer Hookup, Multiple Living Areas, Washer Hookup, Study/Home Office, Carbon Monoxide Detector(s), Smoke Detector(s), Double Pane Windows, ENERGY STAR Qualified Windows, Screens
General Info
Beds
4 Total / 4 Main Level
Full / Half Baths
4 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
1
Year Built
2025 / Resale
Square Feet
2,593 / Builder
Garages
3
Garage Desc
Attached, Garage Door Opener, Garage Faces Front, Oversized
Foundation
Slab
Roof
Composition
Construction
ICAT Recessed Lighting, Blown-In Insulation, Masonry – All Sides, Radiant Barrier
Acres
0.19
Lot Description
Back Yard, Landscaped, Public Maintained Road, Sprinkler - Automatic
Restrictions
Covenant, Deed 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, Underground Utilities
Heat
Central
A C
Central Air
Exterior Features
Fence
Back Yard, Gate, Privacy
Exterior Features
Private Yard, Covered, Patio
Pool On Property
No
Area Amenities
Clubhouse, Dog Park, High Speed Internet, Playground, Pool, Sidewalks, Underground Utilities

Price history

Days on market
−$10,000 (−1.7%)
$595,000 → $585,000
1
Price reduction
Active
Since Sep 11, 2026
Price trend
List priceSep 2026 → Oct 2026
Property history2 events
DateEventPriceChange
Oct 8, 2026Price Decrease$585,000−$10,000 (−1.7%)
Sep 11, 2026New Listing

Taxes

Tax data isn’t available for this property’s county yet.

Schools

School Info
District
HaysCONSISD
Elementary
Jim Cullen
Middle
R C Barton
High
Jack C Hays

Maps

Financing

Your preferences

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

Saved on this device

List price $585,000
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

$3,591 / mo

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

Estimated monthly payment $3,591

Principal & interest
$2,958
Property taxes
$145
Homeowners insurance
$488

*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$468,000$5,231$30,266$462,769
2$462,769$5,581$29,916$457,188
3$457,188$5,955$29,542$451,233
4$451,233$6,354$29,143$444,879
5$444,879$6,779$28,718$438,099
6$438,099$7,233$28,263$430,866
7$430,866$7,718$27,779$423,148
8$423,148$8,235$27,262$414,913
9$414,913$8,786$26,711$406,127
10$406,127$9,375$26,122$396,752
  • Year 1$462,769
    Principal paid
    $5,231
    Interest paid
    $30,266
    Starting balance
    $468,000
  • Year 2$457,188
    Principal paid
    $5,581
    Interest paid
    $29,916
    Starting balance
    $462,769
  • Year 3$451,233
    Principal paid
    $5,955
    Interest paid
    $29,542
    Starting balance
    $457,188
  • Year 4$444,879
    Principal paid
    $6,354
    Interest paid
    $29,143
    Starting balance
    $451,233
  • Year 5$438,099
    Principal paid
    $6,779
    Interest paid
    $28,718
    Starting balance
    $444,879
  • Year 6$430,866
    Principal paid
    $7,233
    Interest paid
    $28,263
    Starting balance
    $438,099
  • Year 7$423,148
    Principal paid
    $7,718
    Interest paid
    $27,779
    Starting balance
    $430,866
  • Year 8$414,913
    Principal paid
    $8,235
    Interest paid
    $27,262
    Starting balance
    $423,148
  • Year 9$406,127
    Principal paid
    $8,786
    Interest paid
    $26,711
    Starting balance
    $414,913
  • Year 10$396,752
    Principal paid
    $9,375
    Interest paid
    $26,122
    Starting balance
    $406,127
First 10 of 30 years

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Courtesy of Compass RE Texas, LLC · (512) 575-3644

Listings courtesy of ACTRIS as distributed by MLS GRID.