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945 elm pass, Center Pt, TX, 78010

2beds
3baths
4,152sqft
$3,600,000
$867price/sqft
$22,936/moest. monthly cost
$917,440/yrincome needed

About This Home

Starlit skies, VIEWS for miles, Luxury Living. Elevation 1840' to 1680' Good grazing. Wildlife Valuation. Owners have raised cattle and horses in the 20+ years they have owned this ranch. All furniture in Main House and Guest House convey. Together = 4 bedrooms, 4.5 baths. A quiet and peaceful place. Pristine maintenance. Paved roads all the way to the front gate. All electric lines are underground. No Flood Zone. An investment you can truly enjoy.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
5/10
Center Point MiddleGrades 6-84.3 mi
4/10
Center Point High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2007

Materials

  • Construction materials: Brick/Stone,Stone/Rock

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Bedroom2

  • Area: 255

Bedrooms & Bathrooms

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

Features

  • Programmable Thermostat

Interior Area

  • Total interior livable area: 4,152 sqft

Kitchen

  • Area: 272

Living Room

  • Area: 806

Master Bathroom

  • Area: 374

Master Bedroom

  • Area: 442

Office

  • Area: 272

Property

Details

  • Parcel number: 02600682000500
  • Other equipment: Small Tanks
  • Horse amenities: Horse Stalls

Features

  • Stories: 2
  • Fencing: Fenced,Cross Fenced
  • Topography of land: Hilly
  • Residential vegetation: Partially Wooded,Mature Trees (ext feat)
  • Horses can be raised: Yes

Lot

  • Lot size: 151 Acres
  • Features: Pasture,Ag Exempt,Hunting Permitted,Secluded,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
  • 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
Drought
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 $18,203$218,436
Home Insurance *$2,463$29,556
Property Taxes $1,815$21,780
Electricity $455$5,470
Total$22,936$275,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$786,377/yr
40% on housing$688,080/yr
45% on housing$611,626/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

$867This listing

vs Other Active Listings

Avg $/sqft

ZIP 78010$326
Kerr County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78010$251
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)

Price History

DateEventPrice
2026-03-11Price change$3,600,000
2026-01-17Price change$3,850,000
2025-09-03Listed for sale$4,200,000

For Sale by Agent

AgentCynthia Thomas
BrokerageRare Earth Realty

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