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ActiveMLS #2601754

7312 White Oak DR, Lago Vista TX 78645

Lago Vista, TX 78645 · Lago Vista Estates Sec 05

Single Family Residence for sale in Lago Vista Estates Sec 05

3Bedrooms
2Bathrooms
1,845Square Ft
0.36Acres
2Garage
2005Year Built
Price Reduced
1 / 40
$410,000$440,000

Overview

Property Description

Set in the Texas Hill Country with long views of the hills and the lake beyond, this single-story home on White Oak Dr pairs an easy, open floor plan inside with a backyard you won't want to leave. The living area gathers around a stone fireplace, where tall windows pull in the light and keep the trees in view. Just off it, the kitchen is made for cooking and company, with a large center island, plenty of wood cabinetry, a tile backsplash, and a sunny breakfast nook wrapped in windows, while a formal dining room stands ready for holidays and full-table meals. Down the hall, three bedrooms and two full baths are laid out for privacy, and the primary suite adds a garden tub, a separate shower, and dual vanities. The backyard is what sets this one apart. A patio steps down to a series of decks and a pergola, along with a built-in hot tub tucked under the oaks, all framed by mature trees and native plantings. It's the kind of space made for morning coffee and evening grilling, and because the lot backs to greenery, the view stays yours. With a two-car garage and low upkeep, it's easy Hill Country living with the lake just minutes away.

Financial Info
Price
$410,000
$ / Sqft
$222
HOA
Yes - Mandatory / $240 / Annually
HOA Name
Lago Vista POA
HOA Includes
Common Area Maintenance
Tax Rate
2.0161%
Est. Taxes
$9,401.57
Tax Year
2026
Exemptions
None
Legal Info
Address
7312 White Oak DR
County
Travis
City
Lago Vista
State
TX
Zip
78645
Subdivision
Lago Vista Estates Sec 05
Legal Description
LOT 1204 LAGO VISTA ESTATES SEC 5
Parcel
01787807050000
Interior Features
Floor
Carpet, Tile
Num Living
2
Dining
1
Kitchen
Breakfast Bar
Appliances
Built-In Oven(s), Built-In Range, Dishwasher, Disposal, Electric Cooktop, Microwave, Oven, RNGHD, Refrigerator
Laundry
Laundry Room
Master Bed
Double Vanity, Walk-In Closet(s)
Master Main
Yes
Fireplaces
1
Fireplace Description
Living Room
Interior Features
Breakfast Bar, Built-in Features, Ceiling Fan(s), Vaulted Ceiling(s), Double Vanity, Recessed Lighting, Walk-In Closet(s), None, Blinds
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
2005 / Resale
Square Feet
1,845 / Public Records
Garages
2
Garage Desc
Driveway, Garage, Garage Faces Front
Foundation
Slab
Roof
Composition, Shingle
Construction
Brick, Stone
Acres
0.36
Lot Description
Sloped Down, Trees-Heavy
Restrictions
None
Flood Plain
No
View
Hill Country, Lake, Neighborhood, Trees/Woods
Water Access
No
Waterfront
No
Area
LN
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Electricity Connected, Sewer Connected, Water Connected
Heat
Central
A C
Ceiling Fan(s), Central Air
Exterior Features
Fence
Back Yard, Wood
Exterior Features
Balcony, Outdoor Grill, Private Yard, Deck, Patio
Pool On Property
No
Area Amenities
None

Price history

Members only
Days on market
−$30,000 (−6.8%)
$440,000 → $410,000
1
Price reduction
Active
Since Aug 13, 2026
Price trend
List priceAug 2026Aug 2026
Property history2 events
DateEventPriceChange
Aug 28, 2026Price Decrease$410,000−$30,000 (−6.8%)
Aug 13, 2026New Listing

Taxes

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

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

List price $410,000
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

$3,198 / mo

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

Estimated monthly payment $3,198

Principal & interest
$2,073
Property taxes
$783
Homeowners insurance
$342

*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$328,000$3,666$21,212$324,334
2$324,334$3,912$20,967$320,422
3$320,422$4,174$20,705$316,249
4$316,249$4,453$20,425$311,795
5$311,795$4,751$20,127$307,044
6$307,044$5,070$19,809$301,974
7$301,974$5,409$19,469$296,565
8$296,565$5,771$19,107$290,794
9$290,794$6,158$18,720$284,636
10$284,636$6,570$18,308$278,066
  • Year 1$324,334
    Principal paid
    $3,666
    Interest paid
    $21,212
    Starting balance
    $328,000
  • Year 2$320,422
    Principal paid
    $3,912
    Interest paid
    $20,967
    Starting balance
    $324,334
  • Year 3$316,249
    Principal paid
    $4,174
    Interest paid
    $20,705
    Starting balance
    $320,422
  • Year 4$311,795
    Principal paid
    $4,453
    Interest paid
    $20,425
    Starting balance
    $316,249
  • Year 5$307,044
    Principal paid
    $4,751
    Interest paid
    $20,127
    Starting balance
    $311,795
  • Year 6$301,974
    Principal paid
    $5,070
    Interest paid
    $19,809
    Starting balance
    $307,044
  • Year 7$296,565
    Principal paid
    $5,409
    Interest paid
    $19,469
    Starting balance
    $301,974
  • Year 8$290,794
    Principal paid
    $5,771
    Interest paid
    $19,107
    Starting balance
    $296,565
  • Year 9$284,636
    Principal paid
    $6,158
    Interest paid
    $18,720
    Starting balance
    $290,794
  • Year 10$278,066
    Principal paid
    $6,570
    Interest paid
    $18,308
    Starting balance
    $284,636
First 10 of 30 years

Nearby

Courtesy of Real Broker, LLC · (855) 450-0442

Listings courtesy of ACTRIS as distributed by MLS GRID.