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2212 N River Rd, Lampasas, TX, 76550

1beds
1baths
576sqft
$435,000
$755price/sqft
$3,297/moest. monthly cost
$131,880/yrincome needed

About This Home

Colorado River Frontage | Hunting | Fishing | Cabin | 15.98 Acres Rare opportunity to own 15.98 acres with 300+-feet of Colorado River frontage in the gated Smith Ranch community, just northwest of Lampasas, Texas. Towering hardwoods, dramatic rock bluffs, rolling terrain, and panoramic Hill Country views make this an exceptional recreational property, weekend getaway, or future homesite. The property features a 576 sqft cabin built in 2003 with an open floor plan, kitchen, living area, one spacious bedroom, one full bathroom, composting toilet, and a large deck overlooking the ranch. Well water, electric service, and fiber internet availability along N River Road provide the conveniences needed to enjoy the property immediately. The cabin is being sold fully furnished and as is, with appliances and many personal items conveying, including furniture, fishing equipment, tools, and other recreational essentials. Enjoy outstanding fishing from your own river frontage with largemouth bass, white bass, catfish, and sunfish. Wildlife is abundant and includes native whitetail deer, free-ranging axis deer, aoudad, Rio Grande turkey, feral hogs, and dove, offering excellent hunting and year-round wildlife viewing. Smith Ranch is known for its large acreage homesites, scenic riverfront tracts, and peaceful Hill Country setting. No mandatory HOA or POA and very light deed restrictions provide flexibility while helping preserve the quality and character of the community. Whether you're searching for a Texas Hill Country waterfront property, Colorado River retreat, hunting ranch, fishing property, weekend cabin, or a beautiful place to build your dream home, this property offers an outstanding combination of privacy, recreation, and natural beauty just minutes from Lampasas

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
7/10
Lampasas Middle SchoolGrades 6-817.4 mi
6/10
Lampasas High SchoolGrades 9-1217.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2003

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Freezer,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 1

Features

  • Laminate Counters,Open Floorplan,Primary Bedroom on Main
  • Window features: Blinds
  • Flooring: Wood

Heating & Cooling

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

Interior Area

  • Total interior livable area: 576 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 18130
  • Special condition: Probate Listing

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch
  • Exterior features: Exterior Steps,Restricted Access
  • Fencing: None
  • Has view: Yes
  • View description: River,Trees/Woods,Water
  • Has water view: Yes
  • Water view: River,Water
  • On waterfront: Yes
  • Waterfront features: River Front
  • Waterbody name: Colorado River

Lot

  • Lot size: 15.98 Acres
  • Features: Bluff,Native Plants,Sloped Down,Trees-Heavy

Parking

  • Parking features: None

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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hail
Lightning
Tornado
Wildfire
Winter Weather
Cold Wave
Drought
Inland Flooding
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 $2,199$26,388
Home Insurance *$322$3,864
Property Taxes $538$6,456
Electricity $238$2,859
Total$3,297$39,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,040/yr
40% on housing$98,910/yr
45% on housing$87,920/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.1%
-5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$755This listing

vs Other Active Listings

Avg $/sqft

ZIP 76550$276
Lampasas County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 76550$163
Lampasas County$162

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
2026-08-14Price change$419,000
2026-07-07Listed for sale$435,000

For Sale by Agent

AgentJim Banks
BrokerageShipley Ranches

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