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Owner Contacts

$161,000

4315 S Congress Ave # 318, Austin, TX, 78745

$209,300 ARV

Off Market

1 Beds

1 Bath

584 Sq Ft

Condos / Townhouses

$256.85 / sqft

Built in 2023

Property Lead Type:

Off-Market ListARV FlipAbsentee OwnerHigh Equity

Highlights

Interior

Bedrooms 1

Bathrooms Full 1

Heating

Cooling

AppliancesMicrowave, Range, Refrigerator, Stainless Steel Appliance(s)

FlooringLaminate, Tile, Vinyl

Exterior

Private Pool

Exterior FeaturesUncovered Courtyard, Dog Run, Outdoor Grill

Lot Size270 sqft

Building Information

Year Built2023

Stories1

Land Information

APN04120410630000

SubdivisionCongress Lofts Condominiums

Land UseCondominiums

Legal DescriptionCONGRESS LOFTS CONDOMINIUMS UNT 318 PLUS 0.4488 % INT IN COM AREA

Census Tract002403

Assessed Land Value$12,090

Assessed Improvement Value$105,508

Assessment Year2025

About this property

Discover modern living in the heart of Austin with the Congress Lofts at St. Elmo. Pricing for these stylish studio lofts starts at $150,000, making homeownership attainable and affordable. Located on the vibrant South Congress Avenue and within the heart of the St. Elmo Arts District, you’ll be just steps away from eclectic local shops, creative restaurants, and lively entertainment. Enjoy the best of Austin city life right at your doorstep! Congress Lofts at St. Elmo offers more than just a prime location. Indulge in luxurious amenities such as a stunning courtyard with a pool, an outdoor kitchen, and multiple resident lounges, designed for those who appreciate comfort and convenience without stretching their budget. Don’t miss out on this unique opportunity to live in affordable luxury. This condo is part of the City of Austin's Affordable Housing Program, available to income-eligible buyers ONLY at 80 % MFI.

Investor Tools

$161,000

Estimated Property Value

$165,000Estimated Mortgage Balance

$0Estimated Equity

-2% equity

Estimated Cap Rate

View Rate

Estimated ARV (After-Repair Value)*

$209,300

Rent-to-Value Ratio: 0.72%

Rent Estimate

$966 /month

Positive

Cash Flow Estimate:

$322 /month

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Financing Details

Estimated Taxes & Insurance

HOA Fees

Interest Rate Assumption

$176/month

$88/month

5.947%

Tax Information

Annual Taxes

Assessed Value

Assessment Year

Assessed Land

Assessed Improvement

Market Value

Tax Delinquent

$1,311

$117,598

2025

$12,090

$105,508

$117,598

Tax History

Year

Tax Paid

Assessed Value

2024

$1,311

$117,598

Mortgage Details

Lender

Loan Type

Loan Amount

Assumable

Position

Origination Date

Maturity Date

University Fcu

Conventional

$165,000

First

Nov 19, 2025

Dec 2055

Equity Summary

Est. Mortgage Balance

Est. Equity

Equity %

LTV

Est. Monthly Payment

$163,804

N/A

102%

$990/mo

Rental Potential

Est. Monthly Rent

Est. Monthly Expenses

Est. Cash Flow

Gross Yield

$1,460/mo

$1,078/mo

+$382/mo

10.9%

Learn About the Market: Opportunity in Austin

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Austin

Austin may be the Live Music Capital of the World, but it’s also one of America’s fastest-growing innovation hubs. Fueled by tech expansion, the University of Texas, state government, and a steady influx of new residents, Austin blends startup energy with Hill Country charm.

From downtown high-rises overlooking Lady Bird Lake to booming suburbs like Round Rock and Leander, the region attracts younger professionals, entrepreneurs, and remote workers seeking opportunity with lifestyle. Austin isn’t just growing — it’s redefining what modern Texas looks like.

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