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224 Spruce Ave, Luling, TX, 78648

3beds
2baths
1,638sqft
$280,000
$171price/sqft
$2,188/moest. monthly cost
$87,520/yrincome needed

About This Home

ZERO DOWN | NO HOA | HUGE LOT | WORKSHOP / DETACHED GARAGE | LOW TAX RATE | NO CARPET | MODERN | Zero-down financing options available! The low tax rate helps keep payments affordable. Fall in love with this charming, no HOA, craftsman-style home sitting on an oversized lot! Whether you need extra parking (boats, trailers, RV's, etc), space to entertain, or room to expand - this property delivers. The backyard features a large workshop/detached garage. Gated access allows secured parking but there's even more space at the front of the property. Inside, you’ll find an open-concept layout with a spacious kitchen, island, sleek granite countertops, and no carpet throughout. The bedrooms are well sized, and the primary suite includes double vanities for added comfort. Start your mornings or unwind in the evenings on the covered front patio, taking in peaceful views of the surrounding green space. The large backyard is shaded by a beautiful mature tree and offers plenty of room to bring your dreams to life! Perfect location, with quick access to I-10 and 183, and in close proximity to San Marcos, Austin, Austin-Bergstrom Airport, Downtown Luling, and incredible water/outdoor spots!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
Luling Elementary SchoolGrades PK-51.1 mi
4/10
Luling High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary/Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal
  • Laundry features: Inside,Main Level,Lower Level,Laundry Room

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Ceiling Fan(s),Double Vanity,High Ceilings,Recessed Lighting,Tub Shower,Breakfast Bar,Kitchen Island,Kitchen/Family Room Combo,Kitchen/Dining Combo
  • Flooring: Laminate
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,638 sqft

Property

Details

  • Parcel number: 121153

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Private Yard
  • Fencing: Back Yard,Privacy
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Heat Wave
Inland Flooding

FEMA Declared Disasters Across Texas Counties

Severe 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 $1,415$16,980
Home Insurance *$264$3,168
Property Taxes $271$3,252
Electricity $238$2,859
Total$2,188$26,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,017/yr
40% on housing$65,640/yr
45% on housing$58,346/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 9.3%
9.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 78648$253
Caldwell County$321

vs Homes Sold Last Month

Median $/sqft

ZIP 78648$157
Caldwell County$153

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
2026-03-24Listed for sale$289,000

For Sale by Agent

AgentMichelle P. Varela
BrokerageVistas Real Estate

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