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628 Able Bluff, Cibolo, TX, 78108

5beds
4baths
3,658sqft
$474,950
$130price/sqft
$3,622/moest. monthly cost
$144,880/yrincome needed

About This Home

Spacious and bright 2021-built home in Steele Creek on a .21-acre lot with 3,658 sq ft, 5 bedrooms, a dedicated office, 3 full baths, 1 half bath, and a 2-car garage with epoxy-coated floor. The open layout features French doors at the office, a large kitchen with granite countertops, farmhouse sink, motion-activated faucet, upgraded cabinet hardware, gas cooking, stainless steel appliances, and a huge walk-in pantry. The main-floor primary suite offers dual vanities, a garden tub, separate shower, and an oversized walk-in closet. Upstairs includes 4 spacious bedrooms, including 1 with a private ensuite bath, plus an additional full bath and a large game room. The backyard is built for enjoying the outdoors with a covered patio, extended pad for a hot tub, and gravel grilling area. Steele Creek amenities include a 24/7 fitness center, resort-style pool, splash pad, playground, sports court, community room, and neighborhood events. Convenient location near JBSA-Randolph, shopping, dining, and entertainment.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
6/10
Dobie Junior High SchoolGrades 7-82.1 mi
7/10

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,4 Sides Masonry,Stone Veneer

Other

  • Builder name: DR HORTON

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Range,Gas Cooktop,Refrigerator,Disposal,Dishwasher,Plumbed For Ice Maker,Water Softener Owned,Gas Water Heater
  • Laundry features: Main Level,Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 225

Bedroom3

  • Area: 221

Bedroom4

  • Area: 168

Bedroom5

  • Area: 210

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Area: 154

Features

  • Two Living Area,Separate Dining Room,Eat-in Kitchen,Two Eating Areas,Kitchen Island,Pantry,Study/Library,Game Room,Loft,High Ceilings,Open Floorplan,High Speed Internet,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Solid Counter Tops
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Fireplace features: Not Applicable

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Two Central

Interior Area

  • Total interior livable area: 3,658 sqft

Kitchen

  • Area: 306

Living Room

  • Area: 154

Master Bathroom

  • Features: Tub/Shower Separate,Double Vanity,Soaking Tub
  • Area: 72

Master Bedroom

  • Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Area: 255

Office

  • Area: 110

Property

Details

  • Parcel number: 1G3147200502200000

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community

Lot

  • Lot size: 9,147 sqft

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds

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 $2,401$28,812
Home Insurance *$260$3,120
Property Taxes $560$6,720
Electricity $401$4,820
Total$3,622$43,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,182/yr
40% on housing$108,660/yr
45% on housing$96,586/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: 4.4%
4.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 78108$147
Guadalupe County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 78108$151
Guadalupe County$148

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)

Price History

DateEventPrice
2026-04-11Price change$494,950
2026-03-13Listed for sale$499,950
2025-01-29Sold--
2025-01-13Pending sale$469,999
2025-01-07Contingent$469,999
2024-11-08Price change$469,999
2024-09-23Price change$479,999
2024-09-10Listed for sale$482,500
2024-09-05Listing removed$2,900
2024-08-27Price change$2,900
2024-08-23Listing removed$465,000
2024-08-09Price change$2,950
2024-08-05Price change$465,000
2024-07-26Listed for rent$2,995
2024-07-06Price change$469,900
2024-05-28Price change$482,500
2024-04-12Price change$489,900
2024-03-18Listed for sale$495,000
2021-06-22Sold--
2021-02-18Pending sale$374,465
2021-02-17Listed for sale$374,465
2021-02-17Pending sale$374,465
2021-02-07Price change$374,465
2021-02-03Price change$374,365
2021-01-06Price change$372,365
2021-01-02Listed for sale$370,365

For Sale by Agent

AgentChristopher Dudley
BrokerageReal Broker, LLC

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