316 Insider Loop, Elgin, TX, 78621
About This Home
LOOKING FOR INVESTORS: THERE IS A CURRENT 2 YEAR LEASE ON THE PROPERTY. 48 HOUR NOTICE FOR SHOWINGS. CONTACT AGENT FIRST Welcome to 316 Insider Loop in the desirable Saratoga Farms community! This stunning 5-bedroom, 2.5-bathroom home offers 2,103 square feet of thoughtfully designed living space in the heart of Elgin, just east of Austin. Perfectly positioned on a semi-private loop with no rear neighbors, this property provides exceptional privacy and tranquility. The main floor showcases elegant all-tile flooring throughout, creating a seamless flow from the spacious front entry to the open living areas. The heart of the home features a modern kitchen equipped with stainless steel appliances, including a range, oven, dishwasher, and microwave, all complemented by beautiful granite countertops. The living area includes a ceiling fan for added comfort. The primary suite is conveniently located on the main floor for single-level living convenience, while four additional bedrooms provide flexibility for family, guests, or home office space. Step outside to discover an extended covered patio perfect for outdoor entertaining and relaxation. The fully landscaped yard features fresh sod and an irrigation system for effortless maintenance. The fenced backyard backs to a peaceful greenbelt, enhancing the property's private atmosphere. Modern conveniences include a smart thermostat, solar screens, and solar panels that are negotiable; ask the listing agent for details, offering future energy savings. Located in Elgin's growing community, you'll enjoy easy access to Morris Memorial Park just over a mile away and Elgin High School, approximately 2.8 miles from home. This prime location offers the perfect blend of small-town charm with convenient access to Austin's employment centers and amenities. Don't miss this exceptional opportunity in Saratoga Farms!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2020
Materials
- Foundation: Slab
- Roof: Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Range,Microwave
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Features
- Built-in Features,Ceiling Fan(s),Granite Counters,High Speed Internet,Kitchen Island,Multiple Living Areas,Open Floorplan,Pantry,Primary Bedroom on Main,Walk-In Closet(s)
- Window features: Double Pane Windows
- Flooring: Carpet,Laminate,Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total interior livable area: 2,103 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 8716627
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Covered
- Exterior features: Private Yard
- Fencing: Back Yard, Wood
- Has view: Yes
- View description: None
- Waterfront features: None
Lot
- Lot size: 6,316 sqft
- Features: Back Yard,Few Trees
Parking
- Total spaces: 2
- Parking features: Attached,Driveway,Garage,Garage Door Opener,Garage Faces Front
- 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
- Tornado
- Hail
- Strong Wind
- Winter Weather
- Cold Wave
- Drought
- Heat Wave
- Inland Flooding
- Lightning
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 | $1,592 | $19,104 |
| Home Insurance * | $192 | $2,304 |
| Property Taxes | $307 | $3,684 |
| Electricity | $238 | $2,859 |
| Total | $2,329 | $27,948 |
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 |
|---|---|---|
| 2026-04-07 | Listed for sale | $315,000 |
| 2026-04-02 | Contingent | $315,000 |
| 2026-02-05 | Listing removed | $1,900 |
| 2025-12-26 | Listed for rent | $1,900 |
| 2025-12-17 | Listing removed | $302,000 |
| 2025-12-16 | Price change | $2,000 |
| 2025-12-05 | Listed for sale | $302,000 |
| 2025-12-01 | Listing removed | $305,000 |
| 2025-11-19 | Price change | $305,000 |
| 2025-11-06 | Listed for rent | $2,100 |
| 2025-10-16 | Price change | $314,000 |
| 2025-09-17 | Price change | $315,000 |
| 2025-08-14 | Listed for sale | $325,000 |
| 2023-01-23 | Listing removed | -- |
| 2023-01-07 | Price change | $2,100 |
| 2022-11-20 | Listed for rent | $2,250 |
| 2022-09-10 | Listing removed | -- |
| 2022-09-01 | Price change | $2,100 |
| 2022-08-24 | Price change | $2,230 |
| 2022-08-22 | Listed for rent | $2,300 |
| 2022-08-20 | Listing removed | -- |
| 2022-07-07 | Price change | $437,999 |
| 2022-07-02 | Listed for sale | $446,999 |
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