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, a 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, a soaking tub, and a spacious walk-in closet with direct laundry access. Upstairs are three additional bedrooms and a loft with wet bar, glass-front cabinetry, and beverage refrigerator. The oversized 18' x 8' garage features an epoxy floor, while the rooftop deck above the garage is ideal for entertaining and enjoying sunset views. A covered patio with fireplace and cedar 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 owners access to private amenities, including waterfront parks, Lake Travis access, pools, tennis and pickleball courts, fitness facilities, campgrounds, boat ramps, marinas and docks, playgrounds, sports fields, and recreational areas throughout Lago Vista. 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, Vinyl
- Num Living
- 2
- Dining
- 2
- Kitchen
- Breakfast Bar, Granite Counters, Kitchen Island, Pantry
- Appliances
- Cooktop, Dishwasher, Disposal, 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 / New
- Square Feet
- 2,585 / Public Records
- Garages
- 2
- Garage Desc
- Attached, Concrete, Driveway, Garage, Garage Faces Front, Oversized
- 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
- Gutters Full, Covered, Deck, Porch, Rear Porch, Terrace
- Pool On Property
- No
- Area Amenities
- BBQ Pit/Grill, Clubhouse, Common Grounds, Fishing, Fitness Center, Golf, Lake, 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
Quartz Counters, Dual Vanity, Full Bath, Pocket Doors, Recessed Lighting
- Bedroom
Ceiling Fan(s)
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Nov 4, 2026 | Active Under Contract | — | |
| Sep 18, 2026 | New Listing | — |
Taxes
TCAD account 165696
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 | $369,301 | $1,551.06 |
| LAGO VISTA ISD | 1.016900 | $369,301 | $3,755.42 |
| TRAVIS CO ESD NO 1 | 0.100000 | $369,301 | $369.30 |
| TRAVIS CO ESD NO 7 | 0.099967 | $369,301 | $369.18 |
| TRAVIS COUNTY | 0.375845 | $369,301 | $1,388.00 |
| TRAVIS COUNTY HEALTHCARE DISTRICT | 0.118023 | $369,301 | $435.86 |
| Ordinary property tax estimate | 2.130735 | $7,868.82 |
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
- DJO PROPERTIES LLC
- Legal
- LOT 5077 HIGHLAND LAKE ESTATES SEC 5
- Geo ID
- prop:165696
- Acreage
- 0.22
- Exemption Type
- None on record
- MLS estimated annual taxes
- $9,035
- 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 | $424,030 | 2.130735 | $9,034.96 |
| 2024 | — | 2.083414 | $9,707.02 |
| 2023 | — | 2.022647 | $5,892.05 |
| 2022 | — | 2.208223 | $1,214.53 |
| 2021 | — | 2.478179 | $371.72 |
| 2020 | — | 2.535765 | $253.58 |
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
$4,729 / 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.