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221 Terramar, Cibolo, TX, 78108

5beds
5baths
3,681sqft
$524,900
$143price/sqft
$3,692/moest. monthly cost
$147,680/yrincome needed

About This Home

**Possible Loan Assumption***2.6 Welcome to this spacious 2-story home in the desirable Turning Stone community, offering 5 bedrooms, 4.5 baths, and a flexible layout designed to accommodate a variety of lifestyles. With plenty of room for everyone, the open-concept floor plan creates a comfortable flow between the main living areas, making everyday living and entertaining easy. The spacious living room serves as the heart of the home and opens seamlessly to the kitchen. The island kitchen features a breakfast bar, walk-in pantry, abundant counter space, and ample storage for all your cooking and gathering needs. The split first-floor primary suite provides privacy and comfort, highlighted by a stylish accent wall, two walk-in closets, and a large ensuite bath with a soaking tub, separate walk-in shower, and dual vanities. An additional first-floor guest bedroom and a private office offer flexibility for visitors, working from home, or multi-generational living. Upstairs, you'll find even more living space with a large game room, dedicated media room with surround sound speakers, and three spacious secondary bedrooms. Four of the home's five bedrooms include walk-in closets, providing generous storage throughout. Thoughtful updates enhance both comfort and functionality, including ceiling fans with remote controls in every room, electric fireplaces with custom built-in wall units in both the living room and primary bedroom, and a well-equipped laundry room featuring cabinetry and abundant storage space. The garage also includes a built-in privacy screen. Step outside to enjoy the covered patio and fenced backyard, creating a great space for outdoor gatherings, play, or quiet evenings at home. Conveniently located near schools, parks, shopping, dining, Randolph Air Force Base, Loop 1604, and Interstate 35. Schedule your personal tour today and see all this home has to offer!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
6/10
Dobie Junior High SchoolGrades 7-82.2 mi
7/10

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Wood Shingle/Shake
  • Construction materials: Brick,Stone,Siding,Foam Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Self Cleaning Oven,Microwave,Refrigerator,Disposal,Dishwasher,Water Softener Owned,Vented Exhaust Fan,Electric Water Heater,Electric Cooktop,Double Oven,2+ Water Heater Units,ENERGY STAR Qualified Appliances
  • Laundry features: Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 143

Bedroom3

  • Area: 182

Bedroom4

  • Area: 168

Bedroom5

  • Area: 154

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Area: 140

Features

  • Two Living Area,Kitchen Island,Breakfast Bar,Pantry,Study/Library,Media Room,Utility Room Inside,High Ceilings,Open Floorplan,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Solid Counter Tops,Custom Cabinets,Programmable Thermostat
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile
  • Fireplace features: Not Applicable
  • Attic: 12"+ Attic Insulation

Heating & Cooling

  • Heating features: Central,2 Units,Electric
  • Cooling features: Ceiling Fan(s),Two Central,Whole House Fan

Interior Area

  • Total interior livable area: 3,681 sqft

Kitchen

  • Area: 252

Living Room

  • Area: 360

Master Bathroom

  • Features: Tub/Shower Combo,Separate Vanity
  • Area: 272

Master Bedroom

  • Features: Walk-In Closet(s),Multi-Closets,Full Bath
  • Area: 240

Office

  • Area: 143

Property

Details

  • Parcel number: 1G3995S11801000000

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community
  • Patio & porch: Patio,Covered
  • Exterior features: Sprinkler System,Lighting
  • Fencing: Privacy

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 6
  • Parking features: Three Car Garage,Attached,Garage Door Opener,Three Car Carport
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 6
  • Carport: Yes
  • Carport spaces: 3

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

  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Tornado
Winter Weather
Cold Wave
Hail
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 $2,654$31,848
Home Insurance *$288$3,456
Property Taxes $346$4,152
Electricity $404$4,850
Total$3,692$44,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,582/yr
40% on housing$110,760/yr
45% on housing$98,453/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: 4.4%
4.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 78108$147
Guadalupe County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 78108$151
Guadalupe County$148

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
2026-07-16Price change$524,900
2026-06-09Listed for sale$549,950

For Sale by Agent

AgentDerrell Skillman
BrokerageRedfin Corporation

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