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1985 S State Loop 481, Junction, TX, 76849

4beds
3baths
3,494sqft
$1,490,000
$426price/sqft
$10,783/moest. monthly cost
$431,320/yrincome needed

About This Home

In the rolling heart of the Texas Hill Country, just outside Junction, lies a ranch where the horizon stretches endlessly and the pace of life slows to something sacred. Perched amid sweeping scenic views, this unique Victorian-style 4-bedroom, 3.5-bath home stands as a timeless centerpiece-its upstairs and downstairs gazebos offering front-row seats to sunrises that spill gold across cross-fenced pastures. Covered porches invite long conversations and quiet mornings, while the in-ground pool-with its fountain and natural stone features-overlooks the land like a private resort carved into the countryside. Beneath vast skies, native flora and fauna flourish, and the rhythm of wildlife is ever-present: whitetail and axis deer moving at dusk, coveys of quail rising from the brush, turkey and dove passing through, and songbirds filling the air for the avid birdwatcher. Water is abundant with strong wells, and adventure waits just minutes away near the North and South Llano Rivers and South Llano River State Park. Though it feels worlds away, you're only moments from downtown Junction's shopping and dining, 50 miles from Fredericksburg, roughly 100 miles from San Antonio International Airport, and even have access to a private airport nearby for seamless travel. An RV barn complete with two full hookups and septic offers room for guests or extended stays, making this property as functional as it is beautiful. This is more than a ranch-it's a Hill Country legacy property designed for gathering, recreation, and the kind of quiet luxury that only Texas land can provide.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

3/10
3/10
Junction Middle SchoolGrades 6-82.6 mi
6/10
Junction High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1994

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Bedroom2

  • Area: 208

Bedroom3

  • Area: 196

Bedroom4

  • Area: 340

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Area: 330

Interior Area

  • Total interior livable area: 3,494 sqft

Kitchen

  • Area: 182

Master Bathroom

  • Area: 150

Master Bedroom

  • Area: 330

Office

  • Area: 256

Property

Details

  • Parcel number: 01350063008000

Features

  • Waterfront features: Wet Weather Creek

Lot

  • Lot size: 181 Acres
  • Features: Agricultural

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
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $7,534$90,408
Home Insurance *$1,774$21,288
Property Taxes $1,092$13,104
Electricity $383$4,603
Total$10,783$129,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$369,702/yr
40% on housing$323,490/yr
45% on housing$287,546/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 14.2%
14.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$426This listing

vs Other Active Listings

Avg $/sqft

ZIP 76849$729
Kimble County$600

vs Homes Sold Last Month

Median $/sqft

ZIP 76849
Kimble County$694

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
2026-02-28Listed for sale$1,490,000
2019-09-01Listing removed$997,300
2018-12-03Listed for sale$997,300

For Sale by Agent

AgentColby Harwell
BrokerageAllie Beth Allman & Associates

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