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176 Harley Hay, Cibolo, TX, 78108

4beds
3baths
2,320sqft
$331,990
$143price/sqft
$2,491/moest. monthly cost
$99,640/yrincome needed

About This Home

This two-story, 4 bedroom, 2.5 bath home features 2323 square feet of living space. The first floor offers a separate dining area adjacent to a large open kitchen. The kitchen opens to a spacious living room that extends to a large covered patio, perfect for outdoor dining! Just off of the living area is a powder room and master suite which features a large walk-in closet. The second floor highlights a spacious game room, a full bath and three large bedrooms. This home has a beautiful and large lot which enhances the beauty of this property, your family will have plenty of room to grow . Close to all Military bases and great shopping and entertainment close by. This house also has Gas Cooking which many consider the preferred cooking method. Builders warranty is still in effect for approximately 5 yrs more.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Dobie Junior High SchoolGrades 7-81.9 mi
7/10

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2020

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Fiber Cement,Radiant Barrier

Other

  • Builder name: D.R. HORTON

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Gas Cooktop,Disposal,Dishwasher,Plumbed For Ice Maker,Gas Water Heater,Plumb for Water Softener
  • Laundry features: Washer Hookup,Dryer Connection

Bedroom2

  • Area: 143

Bedroom3

  • Area: 144

Bedroom4

  • Area: 143

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Area: 110

Family Room

  • Area: 255

Features

  • Two Living Area,Separate Dining Room,Breakfast Bar,Game Room,Utility Room Inside,High Ceilings,Open Floorplan,High Speed Internet,Telephone,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Programmable Thermostat
  • Window features: Low Emissivity Windows
  • Flooring: Carpet,Ceramic Tile,Vinyl
  • Fireplace features: Not Applicable

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: 16+ SEER AC,Central Air

Interior Area

  • Total interior livable area: 2,320 sqft

Kitchen

  • Area: 143

Master Bathroom

  • Features: Tub/Shower Separate,Double Vanity
  • Area: 64

Master Bedroom

  • Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Area: 270

Property

Details

  • Parcel number: 1G3932800902000000

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community

Lot

  • Lot size: 0.28 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Garage Door Opener
  • 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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds

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 $1,678$20,136
Home Insurance *$182$2,184
Property Taxes $377$4,524
Electricity $254$3,056
Total$2,491$29,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,405/yr
40% on housing$74,730/yr
45% on housing$66,426/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: 4.4%
4.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 78108$147
Guadalupe County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 78108$151
Guadalupe County$148

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
2026-04-17Price change$344,999
2026-03-13Price change$349,999
2026-02-04Price change$350,000
2026-01-30Price change$354,999
2025-12-02Price change$355,000
2025-10-27Price change$360,000
2025-10-11Listed for sale$365,000
2020-10-22Sold--

For Sale by Agent

AgentSergio Martinez
BrokeragePrestige Homes of Texas

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