20809 Adobe TRL, Lago Vista TX 78645
Lago Vista, TX 78645 · Bar-K Ranches 04
Single Family Residence for sale in Bar-K Ranches 04
Overview
Property Description
This beautifully updated 3-bedroom, 2-bath home offers stunning panoramic views of the Texas Hill Country, the City of Lago Vista, and Lake Travis. Inside, you’ll find updated cabinets, countertops, light fixtures, appliances, new flooring (2025), and a new roof (2025), giving the home a clean, modern feel and added peace of mind. A separate, spacious 780 sq ft (approx) basement provides excellent flexibility for storage, hobbies, or additional living space. The oversized garage and additional off-street parking pad offer ample room for vehicles and toys. Enjoy relaxing on the large covered front porch, complemented by new front-yard landscaping that enhances the home’s curb appeal. Out back, a partially covered deck extends behind the home, creating the perfect space to entertain or simply take in the breathtaking views of the Hill Country, Lago Vista, and Lake Travis. Owning this property includes membership to the Lago Vista POA, allowing exclusive access to 9 private waterfront parks, party pavilions, playgrounds, basketball court, boat ramps, campground, disc golf course, fishing well, fitness center, hiking trail, marinas, pool, tennis/pickle ball courts and more! Square footage was determined by adding the basement and main floor square footage amounts listed on the Travis County Appraisal District - Buyer to verify square footage. While information is believed to be accurate, buyers and their agents should conduct their own due diligence and verify all material facts related to the property.
Financial Info
- Price
- $649,900
- $ / Sqft
- $277
- HOA
- Yes - Mandatory / $240 / Annually
- HOA Name
- Lago Vista POA
- HOA Includes
- See Remarks
- Tax Rate
- 2.13%
- Est. Taxes
- $8,251.67
- Tax Year
- 2025
- Exemptions
- None
Legal Info
- Address
- 20809 Adobe TRL
- County
- Travis
- City
- Lago Vista
- State
- TX
- Zip
- 78645
- Subdivision
- Bar-K Ranches 04
- Legal Description
- LOT 4039 BAR-K RANCHES PLAT 4
- Parcel
- 01847601180000
Interior Features
- Floor
- Concrete, Tile, Wood
- Num Living
- 1
- Dining
- 1
- Appliances
- Dishwasher, Disposal, Microwave, Free-Standing Electric Range, Electric Water Heater
- Laundry
- Laundry Room, Main Level
- Master Bed
- Double Vanity
- Master Main
- Yes
- Interior Features
- Ceiling Fan(s), Quartz Counters, Double Vanity, Electric Dryer Hookup, Recessed Lighting, Soaking Tub, Washer Hookup, None, Double Pane Windows
General Info
- Beds
- 3 Total / 3 Main Level
- Full / Half Baths
- 2 / 0
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 1
- Year Built
- 1995 / Updated/Remodeled
- Square Feet
- 2,348 / See Remarks
- Garages
- 2
- Garage Desc
- Door-Single, Driveway, Oversized
- Foundation
- Slab
- Roof
- Metal, Shingle
- Construction
- Frame
- Acres
- 0.22
- Lot Description
- See Remarks, Cul-De-Sac, Front Yard, Sloped Down, Trees-Medium (20 Ft - 40 Ft), Views
- Restrictions
- City Restrictions, Zoning
- Flood Plain
- No
- View
- See Remarks, Hill Country, Lake, Panoramic, Skyline
- Water Access
- No
- Waterfront
- No
- Area
- LN
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Available, Sewer Connected, Water Connected
- Heat
- Central, Electric
- A C
- Central Air, Electric, Multi Units, Wall/Window Unit(s)
Exterior Features
- Fence
- None
- Exterior Features
- Exterior Steps, Gutters Partial, See Remarks, Covered, Deck, Front Porch, Patio, Rear Porch
- Pool On Property
- No
- Area Amenities
- See Remarks
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Aug 1, 2026 | Price Decrease | $649,900−$50,000 (−7.1%) | −$50,000 (−7.1%) |
| May 14, 2026 | New Listing | — |
Taxes
TCAD account 458695
Uses rates from the supplied 2026 TCAD package. The file does not identify adopted or proposed status.
| Taxing Entity | Rate per $100 | Taxable Value | Estimated Tax |
|---|---|---|---|
| CITY OF LAGO VISTA | 0.420000 | $386,600 | $1,623.72 |
| LAGO VISTA ISD | 1.016900 | $386,600 | $3,931.34 |
| TRAVIS CO ESD NO 1 | 0.100000 | $386,600 | $386.60 |
| TRAVIS CO ESD NO 7 | 0.099967 | $386,600 | $386.47 |
| TRAVIS COUNTY | 0.375845 | $386,600 | $1,453.02 |
| TRAVIS COUNTY HEALTHCARE DISTRICT | 0.118023 | $386,600 | $456.28 |
| Ordinary property tax estimate | 2.130735 | $8,237.43 |
Informational estimate, not a tax bill or taxes paid. Exemptions and tax ceilings can make taxes differ from the combined rate multiplied by one taxable value. PID assessments and other special charges are excluded; collector coverage has not been established.
Source: Travis County
- Owner
- SHADY ARBOR LLC
- Legal
- LOT 4039 BAR-K RANCHES PLAT 4
- Geo ID
- prop:458695
- Acreage
- 0.22
- Exemption Type
- None on record
- MLS estimated annual taxes
- $8,251.67
- MLS tax year
- 2025
Annual taxes billed are the Tax Imposed amounts reported in the latest available Travis Tax Office statement. Exemptions and tax ceilings may prevent combined rate × taxable value from equaling the billed amount. Other collectors or assessments may not be included.
| Year | Appraised Value | Combined Rate per $100 | Annual Taxes Billed |
|---|---|---|---|
| 2025 | $387,268 | 2.130735 | $8,251.67 |
| 2024 | — | 2.083414 | $8,181.47 |
| 2023 | — | 2.022647 | $8,504.03 |
| 2022 | — | 2.208223 | $9,027.88 |
| 2021 | — | 2.478179 | $5,572.89 |
| 2020 | — | 2.535765 | $5,629.40 |
Combined rates exclude PID placeholder rates. Historical amounts reflect the statement’s snapshot and may change after later corrections; they do not describe payment status. Appraisal values come from the legacy CAD source.
Source: Travis County
Schools
School Info
- District
- Lago Vista ISD
- Elementary
- Lago Vista
- Middle
- Lago Vista
- High
- Lago Vista
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$4,516 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $4,516
- Principal & interest
- $3,286
- Property taxes
- $688
- Homeowners insurance
- $542
*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 | $519,920 | $5,811 | $33,624 | $514,109 | |
| 2 | $514,109 | $6,200 | $33,235 | $507,908 | |
| 3 | $507,908 | $6,616 | $32,819 | $501,293 | |
| 4 | $501,293 | $7,059 | $32,376 | $494,234 | |
| 5 | $494,234 | $7,532 | $31,903 | $486,702 | |
| 6 | $486,702 | $8,036 | $31,399 | $478,666 | |
| 7 | $478,666 | $8,574 | $30,861 | $470,092 | |
| 8 | $470,092 | $9,148 | $30,287 | $460,944 | |
| 9 | $460,944 | $9,761 | $29,674 | $451,183 | |
| 10 | $451,183 | $10,415 | $29,020 | $440,768 |
- Year 1$514,109
- Principal paid
- $5,811
- Interest paid
- $33,624
- Starting balance
- $519,920
- Year 2$507,908
- Principal paid
- $6,200
- Interest paid
- $33,235
- Starting balance
- $514,109
- Year 3$501,293
- Principal paid
- $6,616
- Interest paid
- $32,819
- Starting balance
- $507,908
- Year 4$494,234
- Principal paid
- $7,059
- Interest paid
- $32,376
- Starting balance
- $501,293
- Year 5$486,702
- Principal paid
- $7,532
- Interest paid
- $31,903
- Starting balance
- $494,234
- Year 6$478,666
- Principal paid
- $8,036
- Interest paid
- $31,399
- Starting balance
- $486,702
- Year 7$470,092
- Principal paid
- $8,574
- Interest paid
- $30,861
- Starting balance
- $478,666
- Year 8$460,944
- Principal paid
- $9,148
- Interest paid
- $30,287
- Starting balance
- $470,092
- Year 9$451,183
- Principal paid
- $9,761
- Interest paid
- $29,674
- Starting balance
- $460,944
- Year 10$440,768
- Principal paid
- $10,415
- Interest paid
- $29,020
- Starting balance
- $451,183
Nearby
12 closest listings to 20809 Adobe TRL, Lago Vista TX 78645 (within 2 miles).
Courtesy of Streamline Properties, LLC · (512) 657-1591
Listings courtesy of ACTRIS as distributed by MLS GRID.