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164 Cool Rock, Boerne, TX, 78006

5beds
5baths
4,196sqft
$785,000
$187price/sqft
$5,545/moest. monthly cost
$221,800/yrincome needed

About This Home

Space to grow, spread out, and actually enjoy. This 5-bedroom Boerne home in Esperanza, voted Best Overall Community, gives every member of the household their own corner: a downstairs office, a flex room for crafts or playtime, a secondary bedroom tucked away for teens or guests, and an upstairs loft with a full bath that works as a media room, extra bedroom, or second office. At 4,196 sq ft, there's room to figure out what works for you. Then there's the primary suite: a walkthrough shower, separate soaking tub, and his-and-hers vanities and closets that make it hard to leave in the mornings. Step outside your front door and you're in resort mode, with a pool, lazy river, splash pad, pickleball courts, a dog park, and miles of Hill Country trails all part of daily life here. Numbers and photos only tell half the story on this one, come see it in person.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
Herff Elementary SchoolGrades PK-50.7 mi
8/10
Boerne Middle NorthGrades 6-82.5 mi
8/10
Boerne High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stone,Stucco

Other

  • Builder name: Scott Felder Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Built-In Oven,Gas Cooktop,Refrigerator,Disposal,Dishwasher,Plumbed For Ice Maker,Water Softener Owned,Vented Exhaust Fan,Gas Water Heater,2+ Water Heater Units,ENERGY STAR Qualified Appliances
  • Laundry features: Main Level,Lower Level,Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 120

Bedroom3

  • Area: 154

Bedroom4

  • Area: 168

Bedroom5

  • Area: 180

Bedrooms & Bathrooms

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

Dining Room

  • Area: 196

Features

  • Two Living Area,Separate Dining Room,Eat-in Kitchen,Kitchen Island,Pantry,Study/Library,Loft,High Ceilings,Open Floorplan,High Speed Internet,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Programmable Thermostat
  • Window features: Double Pane Windows,Low Emissivity Windows,Window Coverings
  • Flooring: Carpet,Ceramic Tile
  • Fireplace features: Not Applicable
  • Attic: Partially Floored

Heating & Cooling

  • Heating features: Central,3+ Units,Natural Gas
  • Cooling features: Ceiling Fan(s),Three+ Central

Interior Area

  • Total interior livable area: 4,196 sqft

Kitchen

  • Area: 352

Living Room

  • Area: 475

Master Bathroom

  • Features: Tub/Shower Separate,Separate Vanity
  • Area: 252

Master Bedroom

  • Features: Walk-In Closet(s),Multi-Closets,Ceiling Fan(s),Full Bath
  • Area: 252

Property

Details

  • Parcel number: 1520312020440

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community
  • Patio & porch: Patio,Covered
  • Exterior features: Barbecue,Gas Grill,Sprinkler System,Rain Gutters,Outdoor Kitchen,Other
  • Fencing: Wrought Iron
  • Residential vegetation: Mature Trees,Mature Trees (ext feat)

Lot

  • Lot size: 0.29 Acres
  • Features: 1/4 - 1/2 Acre,Curbs,Street Gutters,Sidewalks,Streetlights

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached,Oversized,Garage Door Opener
  • 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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $3,969$47,628
Home Insurance *$366$4,392
Property Taxes $750$9,000
Electricity $460$5,528
Total$5,545$66,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$190,114/yr
40% on housing$166,350/yr
45% on housing$147,866/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: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -6.8%
-6.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 78006$424
Kendall County$459

vs Homes Sold Last Month

Median $/sqft

ZIP 78006$220
Kendall County$219

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
2026-08-18Contingent$785,000
2026-07-30Price change$785,000
2026-06-21Listed for sale$825,000

For Sale by Agent

AgentKelly Barta
BrokeragePhyllis Browning Company

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