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435 Ellen Williams Loop Street, Llano, TX, 78639

1beds
1baths
780sqft
$1,295,000
$1,660price/sqft
$8,811/moest. monthly cost
$352,440/yrincome needed

About This Home

Imagine a place where the morning sun sparkles off the ripples of open water and the only thing on your to-do list is deciding between a boat ride or a quiet afternoon with a fishing pole. Welcome to 435 Ellen Williams Loop, a rare find on the shores of Lake LBJ that offers far more than just a home—it offers a slower, more intentional way of life. Set on a generous .37-acre lot with an impressive 68 feet of open waterfront, this property is a true lakeside sanctuary. The grounds are shaded by towering, mature trees that create a cool canopy over a plush backyard, kept vibrant and green year-round by a lake-pump irrigation system. The entire perimeter is secured with chain-link fencing, providing a sense of privacy and space to roam. The heart of the outdoor experience is the exceptional boat dock. Designed for those who truly love the water, it features a dedicated fishing dock and a spacious seating and play area. It’s the ultimate hub for hosting sunset gatherings, jumping into the lake, or simply soaking in the expansive views of the open water. Nestled on the property is a charming 780-square-foot lake cabin that perfectly captures the "unplugged" spirit of Kingsland. It’s cozy, inviting, and serves as the ideal basecamp for weekend adventures or a peaceful retreat from the daily grind. The property also includes a covered carport for convenient parking and storage. Whether you’re looking for a classic lake getaway or a premier piece of waterfront to call your own, this is a place where memories are

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

4/10
6/10
Llano Junior High SchoolGrades 6-815.4 mi
6/10
Llano High SchoolGrades 9-1215.9 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin,Cottage
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dryer,Microwave,Electric Range,Washer,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Breakfast Bar
  • Flooring: Hard Tile

Heating & Cooling

  • Heating features: None
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 780
  • Total interior livable area: 780 sqft

Property

Details

  • Parcel number: 029622

Features

  • Levels: One
  • Stories: 1
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Hill Country,Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Open Water,Lake LBJ
  • Frontage length: 68

Lot

  • Lot size: 0.37 Acres
  • Lot size dimensions: 41 x 246

Parking

  • Parking features: Two Car Covered Parking

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

How This Home’s Risks Compare

Inland Flooding
Hail
Lightning
Tornado
Winter Weather
Cold Wave
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 $6,548$78,576
Home Insurance *$775$9,300
Property Taxes $1,250$15,000
Electricity $238$2,859
Total$8,811$105,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$302,091/yr
40% on housing$264,330/yr
45% on housing$234,960/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,660This listing

vs Other Active Listings

Avg $/sqft

ZIP 78639$393
Llano County$411

vs Homes Sold Last Month

Median $/sqft

ZIP 78639
Llano County$249

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
2026-07-03Listed for sale$1,295,000

For Sale by Agent

AgentJohnie Borgeson
BrokerageCompass RE Texas, LLC

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