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ActiveMLS #5893119

811/ 813 S Commerce ST, Lockhart TX 78644

Lockhart, TX 78644 · Lockhart Byrd

Single Family Residence for sale in Lockhart Byrd

5Bedrooms
3 full / 1 halfBathrooms
2,513Square Ft
0.28Acres
0Garage
1920Year Built
Price Reduced
1 / 34
$675,000$695,000
3D tour

Overview

Property Description

TURNKEY BUNGALOW + INCOME-PRODUCING GUEST HOME — steps from Downtown Lockhart! Welcome to 811 S. Commerce — a beautifully restored craftsman bungalow with a fully separate, tenant-occupied guest home already generating rental income. Talk about a rare find! The main home is pristine, top to bottom. Classic curb appeal greets you with slate-blue siding, a cheerful coral front door, a durable metal roof, and a deep covered front porch made for rocking chairs and evening breezes. Inside, 3 bedrooms and 2.5 baths are thoughtfully laid out — 2 bedrooms plus a 1.5 bath downstairs, and a private bedroom retreat with its own full bath upstairs. Wide-plank wood-look flooring flows through an open living and dining area, anchored by a show-stopping stacked-stone fireplace. The kitchen is a showpiece too, with a designer chevron tile accent wall, a stainless farmhouse sink, and stainless appliances. Bathrooms are crisp, white, and fully updated. Step out back to a covered deck strung with market lights, overlooking a huge shaded backyard with a storage shed — plenty of room to entertain, garden, or just unwind. A gated side yard adds rare bonus parking for a boat, RV, or trailer. Then there's the guest home (813 S. Commerce) — 2 bedrooms, 1 bath, its own kitchen, its own driveway, and its own private backyard. It's currently tenant-occupied and cash-flowing from day one, making this the ultimate house-hack or investment add. No HOA. No detail overlooked. Just blocks from Lockhart's downtown shops, restaurants, and BBQ legends. Homes like this — move-in ready with built-in income — don't come around often.

Financial Info
Price
$675,000
$ / Sqft
$269
HOA
None
Tax Rate
2.4783%
Est. Taxes
$10,716
Tax Year
2025
Exemptions
None
Legal Info
Address
811/ 813 S Commerce ST
County
Caldwell
City
Lockhart
State
TX
Zip
78644
Subdivision
Lockhart Byrd
Legal Description
A017 LOCKHART, BYRD, ACRES .278
Parcel
030001707144000
Interior Features
Floor
Laminate, Tile, Wood
Num Living
2
Dining
2
Kitchen
Kitchen Island
Appliances
Disposal, Electric Range, Exhaust Fan, Range, Free-Standing Electric Range, RNGHD, Stainless Steel Appliance(s), Electric Water Heater
Laundry
Inside, Laundry Room
Master Bed
Double Vanity, Primary Bedroom on Main, Walk-In Closet(s)
Master Main
Yes
Fireplaces
1
Fireplace Description
Wood Burning
Interior Features
Built-in Features, Ceiling Fan(s), Beamed Ceilings, High Ceilings, Quartz Counters, Double Vanity, Electric Dryer Hookup, Interior Steps, Kitchen Island, Open Floorplan, Primary Bedroom on Main, Recessed Lighting, Walk-In Closet(s), Washer Hookup, Carbon Monoxide Detector(s), Security System, Smoke Detector(s), Double Pane Windows
General Info
Beds
5 Total / 4 Main Level / 1 Other Level
Full / Half Baths
3 / 1
Prop Type
Residential
Property Type
Single Family Residence
Stories
2
Year Built
1920 / Resale
Square Feet
2,513 / Public Records
Garage Desc
Concrete, Driveway
Foundation
Pillar/Post/Pier
Roof
Metal
Construction
Wood Siding
Acres
0.28
Lot Description
Back Yard, City Lot, Few Trees, Front Yard, Level, Public Maintained Road, Trees-Medium (20 Ft - 40 Ft), Trees-Moderate
Restrictions
City Restrictions
Flood Plain
No
View
None
Water Access
No
Waterfront
No
Area
CC
Utility Info
Water
Public
Sewer
Public Sewer
Utilities
Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected
Heat
Central, Electric, Fireplace(s)
A C
Ceiling Fan(s), Central Air
Exterior Features
Fence
See Remarks, Back Yard, Cross Fenced, Fenced, Privacy, Wood
Exterior Features
Exterior Steps, Private Yard, Covered, Deck, Front Porch
Pool On Property
No
Area Amenities
None

Price history

Members only
Days on market
−$20,000 (−2.9%)
$695,000 → $675,000
1
Price reduction
Active
Since Jul 27, 2026
Price trend
List priceJul 2026Aug 2026
Property history2 events
DateEventPriceChange
Aug 12, 2026Price Decrease$675,000−$20,000 (−2.9%)
Jul 27, 2026New Listing

Taxes

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

Schools

School Info
District
Lockhart ISD
Elementary
Clear Fork
Middle
Lockhart
High
Lockhart

Maps

Financing

Your preferences

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

Saved on this device

List price $675,000
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

$4,869 / mo

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

Estimated monthly payment $4,869

Principal & interest
$3,413
Property taxes
$893
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.

Principal, interest and balance for each year
YearStarting balancePrincipal paidInterest paidEnding balancePrincipal 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
First 10 of 30 years

Nearby

Courtesy of TS Realty · (210) 269-9940

Listings courtesy of ACTRIS as distributed by MLS GRID.