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$516,000

NAL Estimated Property Value

639 Settlers Ln, Bandera, TX, 78003

Off MarketInfo
Beds4 Beds
Baths2 Bath
Baths2,316 Sq Ft
price_per_sqft$226.68 / sqft
Year BuiltBuilt in 2010

Property Lead Type:

Off-Market ListAbsentee OwnerMove-In Ready

Highlights

Interior

Bedrooms 4Bedrooms 4
Bathrooms Full 2Bathrooms Full 2
Indoor FireplaceIndoor Fireplace
Garage AvailableGarage Available
Heating CentralHeating Central
CoolingCooling
AppliancesDishwasher, Microwave, Oven, Range, Cooktop, Disposal, ENERGY STAR Qualified Appliances
FlooringCarpet, Ceramic Tile

Exterior

Lot Size21,780 sqft

Building Information

Year Built2010
Stories1
Roof Type105
Garage Spaces2

Land Information

APN167792
Lot Number32
SubdivisionBandera River Ranch 5
Land UseResidential
Legal DescriptionBANDERA RIVER RANCH 5 BLK 1 LT 32 0.5 ACRES
Census Tract000101
Assessed Land Value$47,950
Assessed Improvement Value$440,850
Assessment Year2025

About this property

Hill Country Perfection in Bandera River Ranch, Discover the epitome of Texas Hill Country living in this meticulously maintained home nestled within the prestigious Bandera River Ranch community. 4 Bedrooms, 2 Full Baths | 0.49 Acre Built in 2010 by renowned Regal Construction, this 2,316-square-foot residence sits gracefully on a half-acre corner lot and redefines low-maintenance luxury living. Zero Lawn Care, Maximum Living Imagine never mowing again! The professionally xeriscaped grounds showcase stunning crushed granite pathways, decorative river rock, and impressive boulders, all thoughtfully arranged among drought- and deer-resistant plants, a striking variety of cacti, and majestic mature oak trees. This isn't just landscaping-it's an artfully designed outdoor sanctuary that practically cares for itself, giving you more time to enjoy what truly matters. Outdoor Paradise Spend your evenings where memories are made: entertaining guests on the fabulous covered patio with its charming gazebo, or gathering family and friends around the cozy in-ground fire pit as the Hill Country sun sets. The outdoor living spaces are nothing short of spectacular, designed for the Texas lifestyle you've been dreaming of. Interior Excellence Step inside to discover a thoughtfully designed floor plan that combines elegance with everyday functionality. The spacious great room captivates with soaring vaulted ceilings and an inviting corner wood-burning fireplace-perfect for those crisp Hill Country evenings. The gourmet kitchen is a chef's delight, featuring pristine granite countertops, a convenient center island, a breakfast bar for casual dining, and an impressively large walk-in pantry that will transform your meal preparation experience. The intelligent split floor plan ensures optimal privacy, separating the luxurious primary suite from the two additional bedrooms. The primary bath is a true retreat, complete with a separate soaking tub and shower, an elegant double vanity, and an expansive walk-in closet. The dedicated office space provides the perfect setting for remote work or quiet study, while the formal dining room and breakfast area offer flexibility for every occasion. Premium Features & Amenities Quality is evident in every detail, from the ceiling fans throughout to the custom cabinetry and included appliances. The convenient side-entry two-car garage keeps your vehicles protected from the elements. But the property's true treasure lies in the backyard compound: two additional buildings ideal for storage with electricity, workshop projects, or creative pursuits, plus a dedicated greenhouse for gardening enthusiasts. The updated 50-AMP RV service with septic access makes hosting visiting friends and family a breeze, while privacy fencing ensures your personal oasis remains just that-private. Resort-Style Community Living, Bandera River Ranch isn't just a neighborhood, it's a lifestyle. This stunning 800-acre Hill Country community, home to approximately 350 custom homes, offers resort-caliber amenities that rival those of any vacation destination. Enjoy lazy afternoons at the sparkling community swimming pool and gazebo, challenge neighbors to tennis or basketball at Overview Park, let the kids play at the well-equipped playground with nearby grills and picnic tables, or reserve the large covered pavilion with its outdoor kitchen and grill for your special celebrations. The crown jewel of the community is the breathtaking 24-acre River Park along the pristine Medina River. Three dedicated camping sites with newly renovated tables and grills invite you to experience overnight adventures right on the riverbank-it's like having a private Hill Country resort in your backyard. Two convenient mail centers on River Ranch Drive and Settlers Lane serve as natural community gathering spots, fostering the friendly, connected atmosphere that makes this neighborhood truly special.

Investor Tools

Property Icon
$516,000
Estimated Property Value
$505,557Estimated Mortgage Balance
$10,443Estimated Equity
2% equity
Estimated Cap Rate
View Rate
Estimated ARV (After-Repair Value)
Calculate ARV
Rent-to-Value Ratio: 0.72%
Rent Estimate
$3,150 /month
Positive
Cash Flow Estimate:
$1,050 /month

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Financing Details

Estimated Taxes & Insurance
HOA Fees
Interest Rate Assumption
$750/month
$200/month
5.947%

Tax Information

Annual Taxes
Assessed Value
Assessment Year
Assessed Land
Assessed Improvement
Market Value
Tax Delinquent
N/A
$439,879
2025
$47,950
$440,850
$488,800
Yes (2024)

Tax History

Year
Tax Paid
Assessed Value
2024
N/A
$439,879

Mortgage Details

Lender
Loan Type
Loan Amount
Assumable
Position
Origination Date
Maturity Date
Nexa Mortgage Llc
Unknown
$509,250
No
First
Dec 8, 2025
N/A

Equity Summary

Est. Mortgage Balance
Est. Equity
Equity %
LTV
Est. Monthly Payment
$505,557
$10,443
2%
98%
$3,054/mo

City: Bandera

639 Settlers Ln | Property Details | No Agent List