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1994 Bear Creek Rd, Kerrville, TX, 78028

--beds
--baths
1,300sqft
$1,695,000
$1,304price/sqft
$10,323/moest. monthly cost
$412,920/yrincome needed

About This Home

Great recreational/residential property a short distance from town. A variety of terrain, including a fertile valley, intriguing draws and incredible views! A rustic 1/1 home, with expansion options, and a large covered deck to watch to wildlife from. An oversized garage/workshop with a half bath. A 40x45 partially insulated shop/barn, a separate office, and well house with 640' well. A spring that invites lots of wildlife. The seller has done extensive clearing. This property is ideal for recreation, horses, hunting or to build your dream home.

Getting Around

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

Schools

8/10
Ingram Elementary SchoolGrades PK-53.3 mi
7/10
Ingram MiddleGrades 6-83.8 mi

Construction

Condition

  • Year built: 2023

Materials

  • Construction materials: Metal Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Farm/Ranch

Interior

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Property

Details

  • Parcel number: 534790
  • Zoning: None
  • Other equipment: None

Features

  • Levels: One
  • Stories: 1
  • Fencing: Fenced,Perimeter,Partial
  • Has view: Yes
  • Waterfront features: Seasonal,Pond,Water On Property
  • Topography of land: Sloping
  • Horses can be raised: Yes

Lot

  • Lot size: 30.95 Acres
  • Features: Ag Exempt,Views,Horse Property,Wooded

Parking

  • Parking features: Garage
  • Has garage: 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Hail
Strong Wind
Tornado

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 $8,570$102,840
Home Insurance *$1,116$13,392
Property Taxes $399$4,788
Electricity $238$2,859
Total$10,323$123,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$353,931/yr
40% on housing$309,690/yr
45% on housing$275,280/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

$1,304This listing

vs Other Active Listings

Avg $/sqft

ZIP 78028$291
Kerr County$332

vs Homes Sold Last Month

Median $/sqft

ZIP 78028$191
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
2026-05-08Listed for sale$1,695,000
2024-08-23Listing removed--
2024-04-02Listed for sale$1,550,000

For Sale by Agent

AgentRon Imel
BrokerageRon Imel Real Estate

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