3405 Congress Ave, Lago Vista TX 78645
Lago Vista, TX 78645 · Highland Lake Estates Sec 05
Single Family Residence for sale in Highland Lake Estates Sec 05
Overview
Property Description
Welcome home to 3405 Congress! Featuring a dramatic floating staircase, expansive windows, striking atrium, rooftop deck, two wine/beverage refrigerators, loft, four bedrooms, and a downstairs flex room, this distinctive home offers exceptional design and indoor-outdoor living. The open kitchen features upgraded leathered countertops, a walk-in pantry, and butler’s pantry. It flows into the great room with fireplace and connects to a downstairs flex room ideal for dining, an office, or additional living space. The atrium offers a unique retreat with possibilities for a wine room, sitting area, or quiet escape. The primary suite includes dual vanities, soaking tub, and spacious walk-in closet with direct laundry access. Upstairs are three additional bedrooms, loft with wet bar including glass-front cabinetry and beverage refrigerator. The rooftop deck above the garage is ideal for entertaining and enjoying sunset views, while the covered patio with fireplace and stained wood ceiling extends the living space outdoors. Just minutes from the nearest boat dock and a short drive to Austin, this home offers a unique combination of architectural style, versatile spaces, and convenient Lake Travis living. Lago Vista Property Owners Association (LVPOA) membership provides eligible owners access to exclusive private amenities including waterfront parks, lake access, pools, tennis and pickleball courts, fitness facilities, campgrounds, boat ramps, marinas and docks, playgrounds, sports fields, and recreational areas throughout Lago Vista. Also, Lago Vista Golf Course is a full service 18 hole golf course right in your neighborhood. A discounted rate and no lender fee future refinancing may be available for qualified buyers purchasing this home and using an affiliate of Orchard Brokerage, LLC. Restrictions apply; consult the Listing Agent for details. Buyer and buyer's agent should verify all listing information, including schools, taxes, HOA, room dimensions and square footage
Financial Info
- Price
- $675,000
- $ / Sqft
- $261
- HOA
- Yes - Mandatory / $240 / Annually
- HOA Name
- Lago Vista POA
- HOA Includes
- See Remarks
- Tax Rate
- 2.1307%
- Est. Taxes
- $9,035
- Tax Year
- 2025
- Exemptions
- None
Legal Info
- Address
- 3405 Congress Ave
- County
- Travis
- City
- Lago Vista
- State
- TX
- Zip
- 78645
- Subdivision
- Highland Lake Estates Sec 05
- Legal Description
- LOT 5077 HIGHLAND LAKE ESTATES SEC 5
- Parcel
- 01648011130000
Interior Features
- Floor
- See Remarks, Carpet, Concrete, Stone, Tile, Wood
- Num Living
- 2
- Dining
- 2
- Kitchen
- Breakfast Bar, Granite Counters, Kitchen Island, Pantry
- Appliances
- Cooktop, Dishwasher, Electric Cooktop, Exhaust Fan, Microwave, Oven, Electric Oven, RNGHD, Refrigerator, Stainless Steel Appliance(s), Wine Cooler, Wine Refrigerator
- Laundry
- Inside, Main Level
- Master Bed
- Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
- Master Main
- Yes
- Fireplaces
- 2
- Fireplace Description
- Electric, Living Room, Outside
- Interior Features
- Bar, Breakfast Bar, Built-in Features, Ceiling Fan(s), Tray Ceiling(s), Chandelier, Granite Counters, Stone Counters, Double Vanity, French Doors, Interior Steps, Kitchen Island, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Soaking Tub, Walk-In Closet(s), Wet Bar, None, Screens
General Info
- Beds
- 4 Total / 1 Main Level / 3 Other Level
- Full / Half Baths
- 2 / 1
- Prop Type
- Residential
- Property Type
- Single Family Residence
- Stories
- 2
- Year Built
- 2022 / See Remarks
- Square Feet
- 2,585 / Public Records
- Garages
- 2
- Garage Desc
- Attached, Concrete, Driveway, Garage
- Foundation
- Slab
- Roof
- Composition, Shingle
- Construction
- Wood Siding, Stone, Stucco
- Acres
- 0.22
- Lot Description
- Few Trees, Sloped Up, Trees-Moderate
- Restrictions
- Deed Restrictions
- Flood Plain
- No
- View
- Hill Country, Neighborhood, Panoramic, Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- LN
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Electricity Available, Phone Available, Sewer Available, Water Available
- Heat
- Natural Gas
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- None
- Exterior Features
- Balcony, Gutters Full, Private Entrance, Private Yard, Covered, Porch, Rear Porch, Terrace
- Pool On Property
- No
- Area Amenities
- BBQ Pit/Grill, Clubhouse, Common Grounds, Fishing, Fitness Center, Golf, Picnic Area, Playground, Tennis Court(s)
Rooms
Main level
- Primary Bathroom
Dual Vanity, Full Bath, Separate Shower, Soaking Tub, Walk-In Closet(s), Walk-in Shower
- Living Room
Chandelier
- Kitchen
Center Island, Eat In Kitchen, Pantry
- Dining Room
Chandelier
- Primary Bedroom
Ceiling Fan(s), Full Bath, Walk-In Closet(s)
Second level
- Bathroom
Dual Vanity, Full Bath, Walk-in Shower
- Bedroom
Ceiling Fan(s)
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 18, 2026 | New Listing | — |
Taxes
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
$4,729 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $4,729
- Principal & interest
- $3,413
- Property taxes
- $753
- Homeowners insurance
- $563
*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 | $540,000 | $6,036 | $34,922 | $533,964 | |
| 2 | $533,964 | $6,440 | $34,518 | $527,524 | |
| 3 | $527,524 | $6,871 | $34,087 | $520,653 | |
| 4 | $520,653 | $7,331 | $33,627 | $513,322 | |
| 5 | $513,322 | $7,822 | $33,136 | $505,499 | |
| 6 | $505,499 | $8,346 | $32,612 | $497,153 | |
| 7 | $497,153 | $8,905 | $32,053 | $488,248 | |
| 8 | $488,248 | $9,502 | $31,456 | $478,746 | |
| 9 | $478,746 | $10,138 | $30,820 | $468,608 | |
| 10 | $468,608 | $10,817 | $30,141 | $457,791 |
- Year 1$533,964
- Principal paid
- $6,036
- Interest paid
- $34,922
- Starting balance
- $540,000
- Year 2$527,524
- Principal paid
- $6,440
- Interest paid
- $34,518
- Starting balance
- $533,964
- Year 3$520,653
- Principal paid
- $6,871
- Interest paid
- $34,087
- Starting balance
- $527,524
- Year 4$513,322
- Principal paid
- $7,331
- Interest paid
- $33,627
- Starting balance
- $520,653
- Year 5$505,499
- Principal paid
- $7,822
- Interest paid
- $33,136
- Starting balance
- $513,322
- Year 6$497,153
- Principal paid
- $8,346
- Interest paid
- $32,612
- Starting balance
- $505,499
- Year 7$488,248
- Principal paid
- $8,905
- Interest paid
- $32,053
- Starting balance
- $497,153
- Year 8$478,746
- Principal paid
- $9,502
- Interest paid
- $31,456
- Starting balance
- $488,248
- Year 9$468,608
- Principal paid
- $10,138
- Interest paid
- $30,820
- Starting balance
- $478,746
- Year 10$457,791
- Principal paid
- $10,817
- Interest paid
- $30,141
- Starting balance
- $468,608
Nearby
Courtesy of Orchard Brokerage · (844) 515-9880
Listings courtesy of ACTRIS as distributed by MLS GRID.