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397 Elephant Island Loop, Kyle, TX, 78640

4beds
3baths
2,274sqft
$349,999
$154price/sqft
$2,602/moest. monthly cost
$104,080/yrincome needed

About This Home

This expansive 4-bedroom, 2.5-bath home stands out as one of the largest floor plans, highlighted by a soaring 20-foot ceiling in the living room, striking stacked entry windows, and a bright, open second floor that welcomes abundant natural light. The secondary bedrooms are generously sized, each with walk-in closets. The main-level Owner’s Suite provides a private and comfortable retreat, complete with a spacious walk-in closet, dual vanities, and a tucked-away entrance, making it ideal for shared living or multi-generational households. Thoughtful details throughout the home include a walk-in pantry in the kitchen, a dedicated utility room, ample storage beneath the stairs, a convenient half bath on the first floor, and a versatile upstairs game room—all contributing to a functional and inviting living experience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
5/10
4/10
Lehman High SchoolGrades 9-122.9 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition

Other

  • Builder name: Milestone Community Builders

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Stainless Steel Appliance(s),Gas Water Heater

Bedrooms & Bathrooms

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

Features

  • Quartz Counters,Double Vanity,Interior Steps,Primary Bedroom on Main,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,274 sqft

Kitchen

  • Features: Quartz Counters
  • Level: Main

Primary Bathroom

  • Features: Double Vanity,Full Bath,Walk-In Closet(s),Walk-in Shower
  • Level: Main

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 397 Elephant Island
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Private Yard
  • Fencing: Wood
  • Has view: Yes
  • View description: None
  • Waterfront features: None

Lot

  • Lot size: 5,880 sqft
  • Features: Front Yard,Sprinkler - Automatic,Trees-Small (Under 20 Ft)

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Faces Front
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

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

How This Home’s Risks Compare

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

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 $1,769$21,228
Home Insurance *$176$2,112
Property Taxes $408$4,896
Electricity $249$2,996
Total$2,602$31,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,211/yr
40% on housing$78,060/yr
45% on housing$69,386/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: 5.3%
5.3%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 78640$164
Hays County$297

vs Homes Sold Last Month

Median $/sqft

ZIP 78640$166
Hays County$178

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
2026-05-01Price change$349,999
2026-04-22Price change$359,999
2026-04-16Price change$369,999
2026-03-26Price change$379,999
2026-02-19Price change$414,999
2026-02-12Listed for sale$433,667

New Construction Spec

AgentAutumn Lapaglia
BrokerageLegacy Austin Realty

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