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2598 Settlers Oak Dr, Belton, TX, 76513

5beds
3baths
2,444sqft
$389,900
$160price/sqft
$2,893/moest. monthly cost
$115,720/yrincome needed

About This Home

Ashford Homes presents the San Marcos River floor plan. This beautiful home features 5 bedrooms, 3 full bathrooms and 2,444 square feet of living space. These homes come standard with wood look tile floors, granite countertops, stainless steel appliances, vaulted ceilings, ceiling fans in every room, sprinkler system, wood privacy fence and full yard sod, just to name a few of the features. Don't miss your chance to own this beautiful home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Belton MiddleGrades 6-84.1 mi
6/10
Belton High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Brick Veneer,Masonry,Stone Veneer

Other

  • Builder name: Ashford Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Disposal,Plumbed For Ice Maker,Water Heater,Some Electric Appliances,Microwave,Range
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Laundry Room

Bedroom

  • Level: Main
  • Dimensions: 11' x 10'3"

Bedroom2

  • Level: Main
  • Dimensions: 11' x 10'3"

Bedroom3

  • Level: Main
  • Dimensions: 12'8" x 11'

Bedroom4

  • Level: Main
  • Dimensions: 15'6" x 12'

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Carbon Monoxide Detector,Double Vanity,Garden Tub/Roman Tub,High Ceilings,Pull Down Attic Stairs,Split Bedrooms,Separate Shower,Vaulted Ceiling(s),Walk-In Closet(s),Granite Counters,Kitchen Island,Kitchen/Family Room Combo,Pantry
  • Flooring: Carpet,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric,Heat Pump,1 Unit

Interior Area

  • Total interior livable area: 2,444 sqft

Living Room

  • Level: Main
  • Dimensions: 19' x 15'

Master Bedroom

  • Level: Main
  • Dimensions: 17'8" x 14'

Property

Details

  • Parcel number: TBD
  • Special condition: Builder Owned

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch
  • Exterior features: Covered Patio,Porch
  • Spa features: None
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: None
  • Waterbody name: None

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 80' x 115'

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Faces Front,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

  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hail
Lightning
Tornado
Winter Weather
Cold Wave
Heat Wave
Wildfire

FEMA Declared Disasters Across Texas Counties

Severe 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 $1,971$23,652
Home Insurance *$261$3,132
Property Taxes $393$4,716
Electricity $268$3,220
Total$2,893$34,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,188/yr
40% on housing$86,790/yr
45% on housing$77,146/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 76513$170
Bell County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 76513$172
Bell County$145

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)

No zestimate history available

Price History

DateEventPrice
2026-05-02Price change$389,900
2025-12-18Price change$398,900
2025-09-08Listed for sale$405,900
2025-08-20Pending sale$405,900
2025-08-11Contingent$405,900
2025-04-24Listed for sale$405,900

New Construction

AgentBradley Sheppard
BrokerageHB Sheppard Real Estate

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