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
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
| Date | Event | Price | Change |
|---|---|---|---|
| Aug 28, 2026 | Price Decrease | $410,000−$30,000 (−6.8%) | −$30,000 (−6.8%) |
| Aug 13, 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
$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.
| Year | Starting balance | Principal paid | Interest paid | Ending balance | Principal 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
Nearby
Courtesy of Real Broker, LLC · (855) 450-0442
Listings courtesy of ACTRIS as distributed by MLS GRID.