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1313 Democrat Street, Blanco, TX, 78606

6beds
4baths
2,619sqft
$995,000
$380price/sqft
$7,076/moest. monthly cost
$283,040/yrincome needed

About This Home

Nestled on nearly an acre along the tranquil Blanco River, this stunning 6-bedroom, 4-bath home blends classic Hill Country architecture with refined modern design. Completed in May 2023, the residence features timeless limestone construction, a durable metal roof, and a private gated entrance offering both security and curb appeal. Inside, bright open spaces with soaring ceilings create an inviting setting for both entertaining and everyday living. Carefully selected upgrades include custom window treatments, energy-efficient climate systems, designer lighting, and a premium water filtration system. The kitchen combines style and functionality with touch-activated faucets, a microwave drawer, and instant hot water. Smart home features include whole-home surge protection, Wi-Fi-enabled controls, and a full security system with cameras monitoring the property and riverbank. Outside, generous covered living spaces provide the perfect setting for relaxing or entertaining, complete with a stone patio and propane connections for outdoor cooking. A three-car garage with EV charging capability adds modern convenience. Surrounded by the natural beauty of the Blanco River, this exceptional property offers privacy, quality craftsmanship, and the very best of Texas Hill Country living. Majority of furniture negotiable for quick availability.

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
Blanco Elementary SchoolGrades PK-51.0 mi
6/10
Blanco Middle SchoolGrades 6-81.4 mi
8/10
Blanco High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: One
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,619
  • Total interior livable area: 2,619 sqft

Property

Details

  • Parcel number: 001455

Features

  • Levels: One
  • Stories: 1
  • Fencing: Perimeter,Partial
  • Has view: Yes
  • View description: Hill Country
  • On waterfront: Yes
  • Waterfront features: River Front,Yes/Other

Lot

  • Lot size: 0.90 Acres
  • Lot size dimensions: 84 x 400

Parking

  • Total spaces: 3
  • Parking features: 3+ Car Attached Garage
  • Has garage: Yes

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $5,031$60,372
Home Insurance *$414$4,968
Property Taxes $1,344$16,128
Electricity $287$3,450
Total$7,076$84,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$242,605/yr
40% on housing$212,280/yr
45% on housing$188,693/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 5.8%
5.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$380This listing

vs Other Active Listings

Avg $/sqft

ZIP 78606$576
Blanco County$668

vs Homes Sold Last Month

Median $/sqft

ZIP 78606
Blanco County$252

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
2026-05-26Price change$995,000
2026-05-15Price change$1,075,000
2026-04-07Price change$1,175,000
2026-03-16Listed for sale$1,275,000
2025-11-13Listing removed$1,400,000
2025-10-01Listed for sale$1,400,000
2021-03-24Sold--
2021-03-04Pending sale$399,000
2021-02-25Listed for sale$399,000

For Sale by Agent

AgentRodney Topper
BrokerageTopper Real Estate

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