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729 Saddle Dr, Bandera, TX, 78003

5beds
3baths
2,128sqft
$219,900
$103price/sqft
$1,647/moest. monthly cost
$65,880/yrincome needed

About This Home

If you've got a yearnin' for country life, this is the place. Just 15 minutes to Kerrville or Bandera from this very large 5-bedroom, 3 bath home. It sits on a generous, fenced lot totaling .69 acres. The front of the home was positioned facing the back of the lot to take advantage of the surrounding Hill Country views. Tons of room for a garden.. There is a long ramp at the front door for ease of access to the home. Inside, you'll find plenty of space for everyone. An open, split floor plan makes room for activities and privacy for the bedrooms. The primary bedroom with ensuite bath is located on one end, while the other 4 bedrooms and 2 baths are on the other end of the home. Lots of upgrades were completed in Spring of 2026 including vinyl flooring throughout, fresh interior paint, and new appliances. There is an aerobic septic system, a 2500 gallon water storage tank, and an old water well in the back yard that is not in use. The property is completely fenced and has a gate in front where parking is available on a concrete pad. An additional gate opens to the side yard. The water storage tank is the source of water for the home and is plumbed into the house. The seller has filled it with 2,000 gallons for the new buyer to enjoy being off-grid for water. Bandera is The Cowboy Capital of the World, where the fun never sets. There's lots of dancing and music, horseback riding, shopping, great restaurants, churches, parades, groceries, and much more. Kerrville is just down the road where there is anything you can't find in Bandera. Y'all come on out and see for yourself.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
Alkek Elementary SchoolGrades PK-57.7 mi
6/10
Bandera Middle SchoolGrades 6-86.0 mi
4/10
Bandera High SchoolGrades 9-125.5 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2022

Materials

  • Foundation: Other
  • Roof: Metal
  • Construction materials: Siding,Vinyl Siding

Other

  • Builder name: Clayton Homes

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Range,Refrigerator,Dishwasher,Vented Exhaust Fan,Electric Water Heater
  • Laundry features: Washer Hookup,Dryer Connection

Bedroom2

  • Area: 132

Bedroom3

  • Area: 132

Bedroom4

  • Area: 132

Bedroom5

  • Area: 108

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Area: 168

Features

  • One Living Area,Separate Dining Room,Eat-in Kitchen,Two Eating Areas,Kitchen Island,Utility Room Inside,1st Floor Lvl/No Steps,Open Floorplan,Telephone,Walk-In Closet(s),Not Applicable
  • Door features: Storm Doors
  • Window features: Double Pane Windows,Window Coverings
  • Flooring: Vinyl
  • Fireplace features: Not Applicable

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,128 sqft

Kitchen

  • Area: 168

Living Room

  • Area: 276

Master Bathroom

  • Features: Tub/Shower Separate,Single Vanity,Separate Vanity
  • Area: 70

Master Bedroom

  • Features: Walk-In Closet(s),Full Bath
  • Area: 168

Property

Accessibility

  • Accessibility features: 2+ Access Exits,Accessible Approach with Ramp,Level Lot,Level Drive

Details

  • Parcel number: 11400000330130
  • Special condition: Real Estate Owned

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Other
  • Fencing: Chain Link
  • Has view: Yes
  • View description: County VIew
  • Residential vegetation: Mature Trees,Mature Trees (ext feat)
  • Horses can be raised: Yes

Lot

  • Lot size: 0.69 Acres
  • Features: 1/2-1 Acre,Sloped,Level

Parking

  • Parking features: None,Pad Only (Off Street),RV/Boat Parking,Open

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 FloodingVery High
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $1,111$13,332
Home Insurance *$102$1,224
Property Taxes $196$2,352
Electricity $238$2,859
Total$1,647$19,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,468/yr
40% on housing$49,410/yr
45% on housing$43,920/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$103This listing

vs Other Active Listings

Avg $/sqft

ZIP 78003$160
Bandera County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 78003$204
Bandera County$231

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

No price history available

Unknown Listed By

AgentLanette Pennell
BrokerageKeller Williams Bandera

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