1292 Upper Turtle Creek Rd, Kerrville, TX, 78028
About This Home
Perched at high elevation on 39 acres, this property offers privacy, long-range Hill Country views, rare live water, and potential off-grid capability—all just a short drive from Kerrville. This highly improved ranchette features a custom 2,277 sq ft hilltop home with guest quarters, thoughtfully designed for efficiency, comfort, and year-round living. The main home and guest house are connected by a large covered breezeway that opens into a beautifully landscaped, privately fenced courtyard—ideal for outdoor dining, entertaining, and stargazing. The land is anchored by approximately 400 feet of improved, dammed live-water Tomas Creek, owned on both sides. A constructed dam creates a deep fishing and swimming hole. A natural spring feeds the system in non-drought years. Water and energy infrastructure set this property apart. All structures feature rainwater collection totaling 29,000 gallons of storage, supported by a multi-stage filtration system delivering high-quality water. A well, drilled in 2016 with an initial flow test of 35 GPM, currently serves irrigation and is plumbed for residential use if desired. Solar panels and a wind turbine provide efficient power generation, offering strong off-grid or low-utility-cost potential. A 1,080 sq ft barndominium across the valley provides shop and equipment storage, recreation space, three air-conditioned guest rooms with a 3/4 bath, and also benefits from rainwater collection. The property lies within a 369 acre game-fenced community shared by only four owners and accessed via an electronic gated entrance. Native and exotic wildlife are abundant, and the property maintains an agricultural tax exemption through wildlife management. Extensive land improvements—including selective clearing, native planting, creek enhancement, and trail maintenance—create a polished yet natural Hill Country setting. Most high-end furnishings convey, and select equipment for ongoing maintenance is available by separate negotiation.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2010
Materials
- Foundation: Slab
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Property subType: Farm
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Gas Range,Microwave,Oven,Gas Oven,RNGHD,Refrigerator,Stainless Steel Appliance(s),Washer/Dryer,Tankless Water Heater,WaterPurifier,Water Purifier Owned,WaterSoftener,Water Softener Owned
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 4
Features
- Bookcases,Built-in Features,Ceiling Fan(s),Beamed Ceilings,High Ceilings,Quartz Counters,Electric Dryer Hookup,Primary Bedroom on Main,Recessed Lighting,Sound System,Washer Hookup
- Window features: Blinds,Double Pane Windows
- Flooring: Concrete
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Heating & Cooling
- Heating features: Central,Heat Pump,Wood Stove,Solar
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total interior livable area: 2,277 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 529337
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Patio,Porch,Rear Porch
- Exterior features: Uncovered Courtyard,Gutters Partial,Outdoor Grill
- Fencing: Partial, Wire
- Has view: Yes
- View description: Canyon,Hill Country,Panoramic,Trees/Woods
- Waterfront features: None
Lot
- Lot size: 39 Acres
- Features: Private,Private Maintained Road,Rock Outcropping,Rolling Slope,Sprinkler - Automatic,Steep Slope,Many Trees,Views
Parking
- Total spaces: 2
- Parking features: Circular Driveway,Detached,Door-Multi,Electric Gate,Garage,Garage Door Opener,Garage Faces Front,Gated,Workshop in Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Strong Wind
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $8,596 | $103,152 |
| Home Insurance * | $1,119 | $13,428 |
| Property Taxes | $1,361 | $16,332 |
| Electricity | $250 | $3,000 |
| Total | $11,326 | $135,912 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-07 | Price change | $1,750,000 |
| 2025-02-04 | Price change | $1,725,000 |
| 2024-06-15 | Listed for sale | $1,750,000 |
View on Zillow