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198 Rolling Oak Dr, Elgin, TX, 78621

6beds
4baths
6,387sqft
$1,049,000
$164price/sqft
$8,312/moest. monthly cost
$332,480/yrincome needed

About This Home

10 UNRESTRICTED ACRES • 2 FULL KITCHENS • MULTIPLE LIVING AREAS • VALLEY VIEWS • FIBER INTERNET Modern farmhouse estate just 10 minutes to Bastrop, 15 to Elgin, and 30 to Austin—combining size, usable land, and freedom rarely found this close to the city. This 2-year-old custom home offers 6–7 bedrooms including over 2,600 square feet of walk-out lower level with a full kitchen—ideal for multi-generational living, private guest quarters, or business use. The main level features a vaulted great room with a wall of glass capturing panoramic valley views. The newly completed kitchen includes quartz countertops, a large island, and extensive workspace. Easy conversion to gas cooking. The primary suite is oversized with a large bath, soaking tub, and curb-less shower. Upstairs bedrooms are connected by a central living/play area. An oversized laundry room adds everyday functionality. The land is 90% cleared and fully usable, with 80+ mature oak trees, fenced areas for horses or livestock, a garden space, private well, and a large covered deck overlooking the valley. Unrestricted property allows for business use, additional structures, animals, and long-term flexibility—rare to find with this level of home and acreage near Austin. Private setting. Usable land. Estate-scale home with real flexibility.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

2/10
Elgin IntGrades 5-69.6 mi
3/10
Elgin Middle SchoolGrades 7-810.3 mi
2/10
Elgin High SchoolGrades 9-1210.7 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 2024

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal

Other

  • Builder name: Reece Roberts

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Dryer,Electric Range,Exhaust Fan,Microwave,Free-Standing Electric Oven,Free-Standing Electric Range,RNGHD,Free-Standing Refrigerator,Self Cleaning Oven,Stainless Steel Appliance(s),Warming Drawer,Washer,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Features

  • Breakfast Bar,Cathedral Ceiling(s),High Ceilings,Vaulted Ceiling(s),Chandelier,Quartz Counters,Double Vanity,Electric Dryer Hookup,Eat-in Kitchen,Entrance Foyer,High Speed Internet,In-Law Floorplan,Kitchen Island,Multiple Dining Areas,Multiple Living Areas,Open Floorplan,Pantry,Primary Bedroom on Main,Soaking Tub,Storage,Study/Home Office,Walk-In Closet(s),Washer Hookup
  • Window features: Double Pane Windows,Insulated Windows,Screens,Vinyl Windows,Window Treatments
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

  • Heating features: Central,Electric,ENERGY STAR Qualified Equipment,Forced Air,Heat Pump,Hot Water,Zoned
  • Cooling features: Central Air,Electric,ENERGY STAR Qualified Equipment,Heat Pump,Zoned

Interior Area

  • Total interior livable area: 6,387 sqft

Property

Accessibility

  • Accessibility features: Accessible Bedroom,Central Living Area,Accessible Doors,Accessible Full Bath,Accessible Kitchen

Details

  • Parcel number: 198 Rolling Oak Dr, Elgin, Texas
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: None
  • Patio & porch: Covered,Deck,Front Porch,Rear Porch
  • Exterior features: Garden,Private Entrance,Private Yard
  • Fencing: Partial, Wire
  • Has view: Yes
  • View description: Hill Country,Panoramic,Trees/Woods
  • Waterfront features: None
  • Horses can be raised: Yes

Lot

  • Lot size: 10 Acres
  • Features: Agricultural,Back Yard,Front Yard,Level,Native Plants,Private,Public Maintained Road,Trees-Large (Over 40 Ft),Many Trees,Trees-Medium (20 Ft - 40 Ft),Views

Parking

  • Parking features: Additional Parking,Attached Carport,Boat,Circular Driveway,Driveway,Off Street,Oversized,Private,RV Access/Parking,Unpaved

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $5,304$63,648
Home Insurance *$641$7,692
Property Taxes $1,666$19,992
Electricity $701$8,415
Total$8,312$99,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$284,982/yr
40% on housing$249,360/yr
45% on housing$221,653/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: 5.9%
5.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 78621$195
Bastrop County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78621$169
Bastrop County$182

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
2026-04-23Price change$1,199,000
2026-04-09Listed for sale$1,249,000
2025-10-17Sold--

For Sale by Agent

AgentKC Swartzel
BrokerageK.C. Swartzel

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