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1406 N Harper Rd, Kerrville, TX, 78028

3beds
2baths
1,879sqft
$450,000
$239price/sqft
$3,142/moest. monthly cost
$125,680/yrincome needed

About This Home

Calling all hobbyists and craftsmen! This 3-bedroom, 2-bath home on 2.57 wooded acres is perfectly designed for both comfort and creativity. The tastefully remodeled kitchen features granite countertops and generous dining space, setting the stage for a warm, social atmosphere. A spacious covered back porch extends living outdoors-ideal for dining, relaxation, or grilling. For projects or a home-based business, the detached workshop offers dedicated, well-lit work areas with ample storage. Two attached storage rooms plus two powered sheds provide additional flexibility. Practical features include a 2-car garage, RV storage, abundant storage throughout, and a generator set up to power the house. The property is exceptionally clean and move-in ready, with deer roaming the shaded lot. Just 10 minutes from downtown Kerrville and about an hour from San Antonio, this home blends the best of Hill Country living with unmatched versatility.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

3/10
5/10
Peterson Middle SchoolGrades 6-84.0 mi
5/10
Tivy High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 1982

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Microwave,Range,Refrigerator,Dishwasher,Water Softener Owned,Vented Exhaust Fan
  • Laundry features: Main Level,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 180

Bedroom3

  • Area: 144

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 225

Features

  • One Living Area,Two Eating Areas,Shop,Utility Room Inside,Open Floorplan,Walk-In Closet(s),Ceiling Fan(s)
  • Window features: Double Pane Windows,Window Coverings
  • Flooring: Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Wood Burning,Stone/Rock/Brick
  • Fireplace: Yes
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central,1 Unit,Electric
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total interior livable area: 1,879 sqft

Kitchen

  • Area: 270

Living Room

  • Area: 399

Master Bathroom

  • Features: Tub/Shower Combo,Double Vanity,Soaking Tub
  • Area: 150

Master Bedroom

  • Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Level: Upper
  • Area: 289

Property

Details

  • Parcel number: 22902
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Partial Sprinkler System
  • Fencing: Chain Link
  • Has view: Yes
  • View description: County VIew
  • Has water view: Yes
  • Water view: Water
  • Residential vegetation: Mature Trees,Partially Wooded,Mature Trees (ext feat)

Lot

  • Lot size: 2.57 Acres
  • Features: 2 - 5 Acres,Rolling Slope

Parking

  • Total spaces: 2
  • Parking features: None,Converted Garage,Two Car Carport,RV/Boat Parking
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Flood
Severe Storm
Straight Line Winds
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 $2,275$27,300
Home Insurance *$296$3,552
Property Taxes $333$3,996
Electricity $238$2,859
Total$3,142$37,704
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,725/yr
40% on housing$94,260/yr
45% on housing$83,786/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: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -3.4%
-3.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 78028$297
Kerr County$336

vs Homes Sold Last Month

Median $/sqft

ZIP 78028$191
Kerr County$191

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
2025-10-03Listed for sale$500,000
2011-11-10Sold--

For Sale by Agent

AgentDavid Hughes
BrokerageeXp Realty

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