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2178 S RANCH ROAD 783, Harper, TX, 78631

2beds
2baths
2,392sqft
$1,475,000
$617price/sqft
$8,733/moest. monthly cost
$349,320/yrincome needed

About This Home

Beautiful custom home and guest house/barndominium on 37.66 AG exempt acres. This property is ideally located just 2 miles south of Harper, about 16 miles from Kerrville and 24 miles from Fredericksburg. The main home is custom throughout, with accents of Hill Country and Spanish-style/Old Country charm with modern and high end finishes. The compressed earth block construction provides energy efficiency, designed to keep the home cool in the hottest temperatures. The home has 2 bedrooms, 2 baths + office, features a beautifully landscaped courtyard, stained Saltillo tile, high end appliances, and easy indoor/outdoor living on the covered porch with fireplace. The home is also situated far off the highway on the cleared land, with many nice trees and room for horses or other animals. The barndominium has 1056 square feet of living space, 1 bedroom/1 bath with living and full kitchen and laundry. Attached is a 1600 SF workshop with large overhang and storage container with power. The property has two entrances off of Harper Rd and is fully fenced. The attention to detail on both the land and custom home has to be seen in person to be fully appreciated.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Harper Middle SchoolGrades 5-82.1 mi
7/10
Harper High SchoolGrades 9-122.1 mi
10/10
Harper Elementary SchoolGrades PK-42.3 mi

Construction

Condition

  • Property condition: As-Is,Pre-Owned
  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Stucco

Other

  • Builder name: RL Simmons

Type & Style

  • Home type: SingleFamily
  • Architectural style: Spanish,Texas Hill Country
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Gas Cooktop,Refrigerator,Dishwasher,Gas Water Heater,Propane Water Heater,2+ Water Heater Units
  • Laundry features: Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 180

Bedrooms & Bathrooms

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

Features

  • One Living Area,Eat-in Kitchen,Kitchen Island,Study/Library,Shop,Utility Room Inside,High Ceilings,Open Floorplan,All Bedrooms Downstairs,Walk-In Closet(s),Ceiling Fan(s),Chandelier,Solid Counter Tops,Custom Cabinets
  • Window features: Double Pane Windows,Window Coverings
  • Flooring: Saltillo Tile,Painted/Stained
  • Number of fireplaces: 1
  • Fireplace features: One,Gas Starter,Other
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total interior livable area: 2,392 sqft

Kitchen

  • Area: 252

Living Room

  • Area: 420

Master Bathroom

  • Features: Tub/Shower Separate,Double Vanity
  • Area: 165

Master Bedroom

  • Features: Split,Outside Access,Sitting Room,Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Area: 168

Office

  • Area: 168

Property

Details

  • Parcel number: 87566

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Covered
  • Fencing: Wire,Ranch Fence
  • Has view: Yes
  • View description: County VIew
  • Residential vegetation: Mature Trees,Partially Wooded,Mature Trees (ext feat)
  • Horses can be raised: Yes

Lot

  • Lot size: 37.66 Acres
  • Features: 15 Acres Plus,Ag Exempt,Hunting Permitted,Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: None,Two Car Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
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 $7,458$89,496
Home Insurance *$682$8,184
Property Taxes $331$3,972
Electricity $262$3,151
Total$8,733$104,796
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$299,417/yr
40% on housing$261,990/yr
45% on housing$232,880/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: 5.6%
5.6%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$617This listing

vs Other Active Listings

Avg $/sqft

ZIP 78631$193
Gillespie County$400

vs Homes Sold Last Month

Median $/sqft

ZIP 78631
Gillespie County$236

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
2026-04-10Listed for sale$1,499,000
2025-09-30Listing removed$1,699,000
2025-04-23Listed for sale$1,699,000
2025-03-12Listing removed$1,975,000
2025-01-14Listed for sale$1,975,000

For Sale by Agent

AgentCody Key
BrokerageKey and Key Realty

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