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130 Gato Rd, Cedar Creek, TX, 78612

5beds
3baths
1,200sqft
$320,000
$267price/sqft
$2,351/moest. monthly cost
$94,040/yrincome needed

About This Home

Investment opportunity on approx. 0.5 acres in Cedar Creek! Property features a mobile home plus a small house, offering excellent house-hacking potential—live in one and rent the other. Ideal for investors or owner-occupants seeking multi-unit income, flexibility, and room to grow. Great opportunity to generate rental income in a peaceful, rural setting. Two homes on the property small 2 bedroom one bathroom and a 3 bedroom two bathroom mobile home

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

1/10
2/10
4/10
Cedar Creek High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Foundation: Pillar/Post/Pier,Raised
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 5

Features

  • 2 Primary Baths,Ceiling Fan(s),Granite Counters,Laminate Counters,Electric Dryer Hookup,Multiple Dining Areas,Multiple Living Areas,No Interior Steps,Open Floorplan,Pantry,Stackable W/D Connections,Storage,Walk-In Closet(s),Washer Hookup
  • Window features: Aluminum Frames
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,200 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 8724416
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: None
  • Exterior features: Exterior Steps
  • Fencing: Chain Link, Fenced
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 0.50 Acres
  • Features: Cleared,Front Yard,Open Lot,Public Maintained Road,Many Trees,Trees-Small (Under 20 Ft)

Parking

  • Parking features: Common,Private

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

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

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Tornado
Winter Weather
Hail
Heat Wave
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 $1,618$19,416
Home Insurance *$184$2,208
Property Taxes $311$3,732
Electricity $238$2,859
Total$2,351$28,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,605/yr
40% on housing$70,530/yr
45% on housing$62,693/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: 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

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 78612$536
Bastrop County$331

vs Homes Sold Last Month

Median $/sqft

ZIP 78612$177
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
2026-05-11Price change$334,900
2026-04-15Price change$340,000
2026-04-07Price change$345,000
2026-02-12Listed for sale$360,000

For Sale by Agent

AgentMando DeLaCerda
BrokerageRealty Texas LLC

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