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633 S Commerce St 1164103Edit search
ActiveMLS #1164103

633 S Commerce ST, Lockhart TX 78644

Lockhart, TX 78644 · W R Smith

Single Family Residence for sale in W R Smith

3Bedrooms
2Bathrooms
1,125Square Ft
0.15Acres
0Garage
2018Year Built
Price Reduced
1 / 29
$280,000$299,000
3D tour

Overview

Property Description

Charming 3/2 home walking distance to downtown Lockhart. Great location. Home has living/kitchen/dining combo. Kitchen with bar, laminate wood flooring throughout, CA/CH, Nice covered front and back porch, privacy fenced back yard, large laundry room. Walking distance from Courthouse Square and activities, HEB walking distance and other retail stores across the street.

Financial Info
Price
$280,000
$ / Sqft
$249
HOA
None
HOA Name
n/a
Tax Rate
2.1669%
Est. Taxes
$6,115
Tax Year
2025
Exemptions
None
Legal Info
Address
633 S Commerce ST
County
Caldwell
City
Lockhart
State
TX
Zip
78644
Subdivision
W R Smith
Legal Description
SMITH, W.R., LOT PT 5,6
Parcel
030055700100520
Interior Features
Floor
Laminate
Num Living
1
Dining
1
Appliances
Refrigerator
Laundry
Laundry Room
Master Main
Yes
Fireplace Description
None
Interior Features
Open Floorplan, None, Vinyl 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
2018 / Resale
Square Feet
1,125 / Public Records
Garage Desc
Driveway
Foundation
Pillar/Post/Pier
Roof
Composition
Construction
Frame, Masonite
Acres
0.15
Lot Description
None
Restrictions
City Restrictions
Flood Plain
No
View
City
Water Access
No
Waterfront
No
Area
CC
Utility Info
Water
Private
Sewer
Public Sewer
Utilities
Electricity Connected, Water Connected
Heat
Central
A C
Ceiling Fan(s), Electric
Exterior Features
Fence
Back Yard, Wood
Exterior Features
Exterior Steps, Front Porch, Rear Porch
Pool On Property
No
Area Amenities
Library

Price history

Members only
Days on market
−$19,000 (−6.4%)
$299,000 → $280,000
2
Price reductions
Active
Since Apr 30, 2026
Price trend
List priceApr 2026 → Aug 2026
Property history3 events
DateEventPriceChange
Aug 25, 2026Price Decrease$280,000−$10,000 (−3.4%)
Jun 8, 2026Price Decrease$290,000−$9,000 (−3%)
Apr 30, 2026New Listing

Taxes

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

Schools

School Info
District
Lockhart ISD
Elementary
Bluebonnet (Lockhart ISD)
Middle
Lockhart
High
Lockhart

Maps

Financing

Your preferences

  • 20% down
  • Conv/Jumbo
  • 30 years
  • 6.50% rate

Saved on this device

List price $280,000
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

$2,159 / mo

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

Estimated monthly payment $2,159

Principal & interest
$1,416
Property taxes
$510
Homeowners insurance
$233

*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$224,000$2,504$14,486$221,496
2$221,496$2,671$14,319$218,825
3$218,825$2,850$14,140$215,975
4$215,975$3,041$13,949$212,933
5$212,933$3,245$13,745$209,689
6$209,689$3,462$13,528$206,226
7$206,226$3,694$13,296$202,532
8$202,532$3,941$13,049$198,591
9$198,591$4,205$12,785$194,386
10$194,386$4,487$12,503$189,899
  • Year 1$221,496
    Principal paid
    $2,504
    Interest paid
    $14,486
    Starting balance
    $224,000
  • Year 2$218,825
    Principal paid
    $2,671
    Interest paid
    $14,319
    Starting balance
    $221,496
  • Year 3$215,975
    Principal paid
    $2,850
    Interest paid
    $14,140
    Starting balance
    $218,825
  • Year 4$212,933
    Principal paid
    $3,041
    Interest paid
    $13,949
    Starting balance
    $215,975
  • Year 5$209,689
    Principal paid
    $3,245
    Interest paid
    $13,745
    Starting balance
    $212,933
  • Year 6$206,226
    Principal paid
    $3,462
    Interest paid
    $13,528
    Starting balance
    $209,689
  • Year 7$202,532
    Principal paid
    $3,694
    Interest paid
    $13,296
    Starting balance
    $206,226
  • Year 8$198,591
    Principal paid
    $3,941
    Interest paid
    $13,049
    Starting balance
    $202,532
  • Year 9$194,386
    Principal paid
    $4,205
    Interest paid
    $12,785
    Starting balance
    $198,591
  • Year 10$189,899
    Principal paid
    $4,487
    Interest paid
    $12,503
    Starting balance
    $194,386
First 10 of 30 years

Nearby

Courtesy of Countywide Realty · (512) 398-7148

Listings courtesy of ACTRIS as distributed by MLS GRID.