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213 Oak Cliff, Lakehills, TX, 78063

2beds
2baths
1,344sqft
$168,000
$125price/sqft
$1,395/moest. monthly cost
$55,800/yrincome needed

About This Home

Enjoy end-of-the-road privacy in this charming 2-bedroom, 2-bath cabin nestled on the shores of peaceful ChurchCove. Featuring an open floor plan, spacious and light-filled rooms, and a covered deck perfect for soaking in the natural surroundings. Watch wildlife and take in stunning views looking up the cove. While the home could use a little TLC, it's priced to sell and offers fantastic investment potential. Don't miss this affordable waterfront retreat!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

3/10
5/10
Bandera Middle SchoolGrades 6-813.3 mi
4/10
Bandera High SchoolGrades 9-1213.3 mi

Construction

Condition

  • Property condition: As-Is,Pre-Owned
  • Year built: 2005

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Texas Hill Country
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Electric Water Heater

Bedroom2

  • Area: 180

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • One Living Area,Liv/Din Combo,Utility Room Inside,All Bedrooms Upstairs,Open Floorplan,High Speed Internet,Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile
  • Fireplace features: Not Applicable

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,344 sqft

Kitchen

  • Area: 99

Living Room

  • Area: 322

Master Bathroom

  • Features: Tub/Shower Combo
  • Area: 80

Master Bedroom

  • Features: Ceiling Fan(s)
  • Level: Upper
  • Area: 187

Property

Details

  • Parcel number: 15400000070221

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Deck
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront,Improved Water Front,Water Access,Water Front Improved
  • Waterbody name: Lake Medina

Lot

  • Lot size: 8,712 sqft
  • Features: Cul-De-Sac,Sloped

Parking

  • Parking features: None,Circular Driveway,Unpaved Drive
  • Has uncovered spaces: Yes

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

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Winter Weather
Hail
Strong Wind
Tornado

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $849$10,188
Home Insurance *$124$1,488
Property Taxes $184$2,208
Electricity $238$2,859
Total$1,395$16,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,828/yr
40% on housing$41,850/yr
45% on housing$37,200/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 78063$236
Bandera County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 78063$216
Bandera County$231

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
2026-03-18Price change$168,000
2025-10-25Price change$210,000
2025-10-23Listed for sale$215,000
2025-09-15Listing removed$215,000
2025-04-18Listed for sale$215,000
2025-01-26Listing removed$235,000
2024-11-01Listed for sale$235,000
2012-09-28Sold--

For Sale by Agent

AgentMichelle Reichle
BrokerageHi Energy Realty

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