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436 Spinnaker Loop, Kyle, TX, 78640

3beds
3baths
2,054sqft
$299,900
$146price/sqft
$2,434/moest. monthly cost
$97,360/yrincome needed

About This Home

Welcome to a home that offers the space, comfort, and privacy you’ve been looking for. This 3-bedroom, 2-bath home with a dedicated downstairs office delivers a functional layout designed for everyday living. Fresh interior paint creates a bright, clean feel throughout, and the kitchen features a gas range with the sink overlooking the backyard — with no rear neighbors, giving you peaceful views and added privacy. Downstairs includes a spacious laundry room, oversized storage closets, and a massive under-the-stairs storage area — making organization effortless. Upstairs, the primary suite feels like a true retreat with dual walk-in closets (his and hers). Even better, every bedroom includes its own walk-in closet, giving everyone the storage space they need. Located within walking distance to the community amenity center with a pool, playground, and basketball court, and less than 10 minutes from all the new stores and shopping centers in Kyle, TX, you’ll enjoy both convenience and lifestyle. One of the best-priced homes in the community, offering space, privacy, and location all in one. Opportunities like this don’t last — schedule your showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Lehman High SchoolGrades 9-122.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Granite Counters,Open Floorplan,Pantry
  • Window features: Blinds,Double Pane Windows
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,054 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 112213000F044002
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: None
  • Exterior features: See Remarks
  • Fencing: Full
  • Has view: Yes
  • View description: Neighborhood
  • Waterfront features: None

Lot

  • Lot size: 4,791 sqft
  • Features: Sprinkler - Back Yard,Sprinklers In Front,Sprinkler - Side Yard

Parking

  • Total spaces: 2
  • Parking features: 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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Severe Storm
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 $1,516$18,192
Home Insurance *$151$1,812
Property Taxes $529$6,348
Electricity $238$2,859
Total$2,434$29,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,451/yr
40% on housing$73,020/yr
45% on housing$64,906/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 78640$164
Hays County$297

vs Homes Sold Last Month

Median $/sqft

ZIP 78640$166
Hays County$178

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
2026-03-31Price change$303,000
2026-02-15Listed for sale$310,000

For Sale by Agent

AgentClaudia Farfan Sanchez
BrokerageLand Unlimited

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