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253 Apache Trce NW, Harper, TX, 78631

--beds
--baths
--sqft
$169,000
--price/sqft
$1,336/moest. monthly cost
$53,440/yrincome needed

About This Home

Apache Trace is a 500 acre ranch community with lots ranging from 5 to 9 acres, conveniently located off of FM 479, 6 miles from Harper & 20 miles from Kerrville. Gently rolling terrain with large hardwoods, and lush native grass, is easy to get around on and offers bottom land to hilltop views. The prefect place to get back to the country, and away from the noise of the city. The land is very livestock and horse friendly. Whether you're older and ready to slow down, or you want a place to raise your kids where they have room to roam, this is it. NO HOA & NO ARCHITECUAL CONTROL COMMITTE.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
Harper Middle SchoolGrades 5-85.3 mi
7/10
Harper High SchoolGrades 9-125.3 mi
10/10
Harper Elementary SchoolGrades PK-45.4 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Unimproved Land,Rural Subdivision,Single Family Residence

Property

Details

  • Zoning: None

Features

  • Has view: Yes
  • View description: Views
  • Waterfront features: None
  • Residential vegetation: Wooded,Native Pasture

Lot

  • Lot size: 5.32 Acres

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Heat Wave
Wildfire

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $854$10,248
Home Insurance *$119$1,428
Property Taxes $125$1,500
Electricity $238$2,859
Total$1,336$16,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,805/yr
40% on housing$40,080/yr
45% on housing$35,626/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -3.4%
-3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 78631$220
Kerr County$337

vs Homes Sold Last Month

Median $/sqft

ZIP 78631
Kerr County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-01-07Listed for sale$169,000
2024-08-01Listing removed$169,000
2023-12-19Listed for sale$169,000

For Sale by Agent

AgentJimmy Reno
BrokerageReno Realty Group

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