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1892 N Thunder Creek Rd, Utopia, TX, 78884

3beds
2baths
1,816sqft
$825,000
$454price/sqft
$5,420/moest. monthly cost
$216,800/yrincome needed

About This Home

Escape to the heart of the Texas Hill Country with this exceptional 20.87-acre property in Utopia, Texas. Offering privacy, functionality, and breathtaking country living, this fully fenced and cross-fenced ranch is ideal for livestock, horses, hunting, recreation, or a self-sustaining homestead. The main residence features approximately 1,400 square feet with 3 bedrooms and 2 bathrooms, enhanced by a solar power system for increased energy efficiency. A separate 700-square-foot guest house provides outstanding flexibility with 1 bedroom, 1 bathroom, an eat-in kitchen, and living room-perfect for guests, extended family, rental income, or a private office. Built for both work and play, the property includes a 30' x 40' utility barn complete with a ventilated, heated, and air-conditioned paint booth. An additional 12' x 24' insulated building with sheetrock, heating, and air conditioning offers endless possibilities as a workshop, studio, additional dwelling, or hobby space. Outdoor enthusiasts will appreciate the dedicated deer processing area and 5' x 5' walk-in cooler, making this property an ideal hunting retreat. Established gardens with fruit trees, raised beds, and a fully automated irrigation system provide ample opportunity for homegrown produce, while a rainwater collection system with 3,000 gallons of storage supports sustainable living. Gather around the fire pit under the stars or relax in the 12' x 12' screened gazebo while taking in the peaceful Hill Country surroundings. Located in desirable Bandera County, this versatile property combines rural tranquility with practical improvements and abundant wildlife. Whether you're looking for a working ranch, hunting getaway, multi-generational living arrangement, or private country retreat, this unique Utopia property delivers endless possibilities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

7/10
Utopia SchoolGrades PK-123.9 mi

Construction

Condition

  • Year built: 1999

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range
  • Laundry features: Washer Hookup,Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Open Floorplan,Split Bedrooms,Additional Living Quarters,Breakfast Bar,Ceiling Fan(s)
  • Flooring: Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,816
  • Total interior livable area: 1,816 sqft

Property

Details

  • Parcel number: 162984
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Garden,Other,Storage
  • Fencing: Cross Fenced,Other
  • Residential vegetation: Partially Wooded
  • Horses can be raised: Yes

Lot

  • Lot size: 20 Acres
  • Features: Pasture

Parking

  • Total spaces: 6
  • Parking features: Covered,Carport,Other,Rear/Side/Off Street
  • Carport: 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 FloodingVery High
  • Lightning
    LightningVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Drought
Hail
Strong Wind
Tornado
Wildfire
Winter Weather
Cold Wave
Landslide

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 $4,171$50,052
Home Insurance *$272$3,264
Property Taxes $739$8,868
Electricity $238$2,859
Total$5,420$65,040
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,828/yr
40% on housing$162,600/yr
45% on housing$144,533/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

$454This listing

vs Other Active Listings

Avg $/sqft

ZIP 78884$293
Bandera County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 78884$390
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Price change$820,000
2026-06-22Listed for sale$825,000

For Sale by Agent

AgentKimberly Paul
BrokerageColdwell Banker D'Ann Harper

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