224 Spruce Ave, Luling TX 78648
Luling, TX 78648 · J & S Sub
Single Family Residence for sale in J & S Sub
Overview
Property Description
**ALTERNATIVE FINANCING + ZERO DOWN OPTIONS** NO HOA | HUGE LOT | WORKSHOP / DETACHED GARAGE | LOW TAX RATE | NO CARPET | Ask about zero-down financing options available for qualified buyers! With a low tax rate and no HOA, this property offers the freedom and flexibility that’s hard to find. This charming craftsman-style home sits on a huge oversized lot with endless potential — whether you need extra parking for RVs, boats, or trailers, room to entertain, or space to expand, this property checks the boxes. The backyard features a large workshop/detached garage, plus gated access for secure parking and even more usable space at the front of the property. Inside, you’ll find an open-concept layout with modern finishes throughout, including sleek granite countertops, a spacious kitchen island, and no carpet anywhere in the home. The generously sized bedrooms offer comfortable living, while the primary suite features dual vanities for added convenience. Enjoy peaceful mornings and relaxing evenings on the covered front patio overlooking beautiful green space. Out back, the expansive yard is shaded by a mature tree and offers plenty of room to create your dream outdoor setup. Conveniently located with quick access to I-10 and Hwy 183, and just a short drive to Austin, San Marcos, Austin-Bergstrom Airport, Downtown Luling, and countless outdoor and water recreation spots.
Financial Info
- Price
- $269,900
- $ / Sqft
- $165
- HOA
- None
- Tax Rate
- 1.8259%
- Est. Taxes
- $4,585.75
- Tax Year
- 2025
- Exemptions
- Homestead
Legal Info
- Address
- 224 Spruce Ave
- County
- Caldwell
- City
- Luling
- State
- TX
- Zip
- 78648
- Subdivision
- J & S Sub
- Legal Description
- J & S SUBD, UNIT 3, LOT 2, ACRES .3614
- Parcel
- 070170500020000
Interior Features
- Floor
- Laminate
- Num Living
- 1
- Dining
- 1
- Kitchen
- Granite Counters, Eat-in Kitchen, Kitchen Island, Pantry
- Appliances
- Dishwasher, Microwave, Electric Oven
- Laundry
- Laundry Room, Main Level
- Master Bed
- Double Vanity, Primary Bedroom on Main
- Master Main
- Yes
- Interior Features
- Ceiling Fan(s), High Ceilings, Granite Counters, Double Vanity, Electric Dryer Hookup, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bedroom on Main, Recessed Lighting, Storage, Washer Hookup, Secured Garage/Parking, Security Fence, Smoke Detector(s), Double Pane 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
- 2022 / Resale
- Square Feet
- 1,638 / Public Records
- Garages
- 1
- Garage Desc
- Concrete, Driveway, Garage, Workshop in Garage
- Foundation
- Slab
- Roof
- Composition, Shingle
- Construction
- HardiPlank Type, Board & Batten Siding
- Acres
- 0.36
- Lot Description
- Back Yard, Front Yard, Landscaped, Level, Trees-Medium (20 Ft - 40 Ft)
- Restrictions
- Deed Restrictions
- Flood Plain
- No
- View
- Pasture, Rural, Trees/Woods
- Water Access
- No
- Waterfront
- No
- Area
- CC
Utility Info
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Available, Sewer Available, Water Available
- Heat
- Central
- A C
- Ceiling Fan(s), Central Air
Exterior Features
- Fence
- Back Yard, Fenced, Gate, Privacy, Wood
- Exterior Features
- See Remarks, Lighting, Private Yard, Covered, Front Porch
- Pool On Property
- No
- Area Amenities
- See Remarks
Price history
| Date | Event | Price | Change |
|---|---|---|---|
| Sep 13, 2026 | Active Under Contract | — | |
| Sep 11, 2026 | Price Decrease | $269,900−$10,000 (−3.6%) | −$10,000 (−3.6%) |
| Aug 11, 2026 | Price Decrease | $279,900−$100 (−0%) | −$100 (−0%) |
| Jul 8, 2026 | Price Decrease | $280,000−$8,500 (−2.9%) | −$8,500 (−2.9%) |
| Jul 8, 2026 | New Listing | — |
Taxes
Schools
School Info
- District
- Luling ISD
- Elementary
- Luling Primary
- Middle
- Luling
- High
- Luling
Maps
Financing
Your preferences
- 20% down
- Conv/Jumbo
- 30 years
- 6.50% rate
Saved on this device
Estimated monthly payment
$1,972 / mo
20% down · 6.50% interest · 30-year fixed
Estimated monthly payment $1,972
- Principal & interest
- $1,365
- Property taxes
- $382
- Homeowners insurance
- $225
*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 | $215,920 | $2,413 | $13,964 | $213,507 | |
| 2 | $213,507 | $2,575 | $13,802 | $210,932 | |
| 3 | $210,932 | $2,747 | $13,630 | $208,184 | |
| 4 | $208,184 | $2,931 | $13,446 | $205,253 | |
| 5 | $205,253 | $3,128 | $13,249 | $202,125 | |
| 6 | $202,125 | $3,337 | $13,040 | $198,788 | |
| 7 | $198,788 | $3,561 | $12,816 | $195,227 | |
| 8 | $195,227 | $3,799 | $12,578 | $191,427 | |
| 9 | $191,427 | $4,054 | $12,323 | $187,374 | |
| 10 | $187,374 | $4,325 | $12,052 | $183,049 |
- Year 1$213,507
- Principal paid
- $2,413
- Interest paid
- $13,964
- Starting balance
- $215,920
- Year 2$210,932
- Principal paid
- $2,575
- Interest paid
- $13,802
- Starting balance
- $213,507
- Year 3$208,184
- Principal paid
- $2,747
- Interest paid
- $13,630
- Starting balance
- $210,932
- Year 4$205,253
- Principal paid
- $2,931
- Interest paid
- $13,446
- Starting balance
- $208,184
- Year 5$202,125
- Principal paid
- $3,128
- Interest paid
- $13,249
- Starting balance
- $205,253
- Year 6$198,788
- Principal paid
- $3,337
- Interest paid
- $13,040
- Starting balance
- $202,125
- Year 7$195,227
- Principal paid
- $3,561
- Interest paid
- $12,816
- Starting balance
- $198,788
- Year 8$191,427
- Principal paid
- $3,799
- Interest paid
- $12,578
- Starting balance
- $195,227
- Year 9$187,374
- Principal paid
- $4,054
- Interest paid
- $12,323
- Starting balance
- $191,427
- Year 10$183,049
- Principal paid
- $4,325
- Interest paid
- $12,052
- Starting balance
- $187,374
Nearby
Courtesy of Vistas Real Estate · (210) 501-5435
Listings courtesy of ACTRIS as distributed by MLS GRID.