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408 Steele Harbor, Cibolo, TX, 78108

3beds
2baths
1,442sqft
$356,500
$247price/sqft
$2,588/moest. monthly cost
$103,520/yrincome needed

About This Home

The Torre is one of our most popular floor plans. This single-story, 3-bedroom, 2 bathroom home features 1442 square feet of living space and a two-car garage. The inviting entry opens to a large dining area and an open kitchen with spacious quartz countertops, stainless steel appliances, electric cooking range, stylish subway tile backsplash, and abundant cabinet storage space. The kitchen opens into the living room with plenty of natural light. The private main bedroom includes a nice ensuite with a double vanity sink, separate tub and walk-in shower, water closet, and a spacious walk-in closet. Secondary bedrooms, a second full bathroom, and a utility room are located off the entry. Additional features include tall 9-foot ceilings, 2-inch faux wood blinds throughout the home, luxury vinyl plank flooring at entry, family room, kitchen, and dining area, ceramic tile in the bathrooms and utility room, and pre-plumb for water softener loop. You'll enjoy added security in your new home with our Home is Connected feature. Using one central hub that talks to all the devices in your home, you can control the lights, thermostat and locks, all from your cellular device. Relax outside on the covered patio (per plan) and enjoy full yard landscaping and full yard irrigation.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
6/10
Dobie Junior High SchoolGrades 7-81.8 mi
7/10

Construction

Condition

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

Materials

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

Other

  • Builder name: D.R. Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Self Cleaning Oven,Microwave,Range,Gas Cooktop,Disposal,Dishwasher,Plumbed For Ice Maker,Gas Water Heater,Plumb for Water Softener,ENERGY STAR Qualified Appliances
  • Laundry features: Laundry Room,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 110

Bedroom3

  • Area: 100

Bedrooms & Bathrooms

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

Dining Room

  • Area: 110

Family Room

  • Area: 240

Features

  • One Living Area,Separate Dining Room,Utility Room Inside,High Ceilings,Open Floorplan,High Speed Internet,Walk-In Closet(s),Master Downstairs
  • Window features: Double Pane Windows,Window Coverings
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Fireplace features: Not Applicable

Heating & Cooling

  • Heating features: Central,1 Unit,Natural Gas
  • Cooling features: 13-15 SEER AX,Central Air,Heat Pump

Interior Area

  • Total interior livable area: 1,442 sqft

Kitchen

  • Area: 154

Master Bathroom

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

Master Bedroom

  • Features: Walk-In Closet(s)
  • Area: 192

Property

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Covered
  • Exterior features: Sprinkler System
  • Fencing: Privacy

Lot

  • Lot size: 5,662 sqft
  • Features: Curbs,Sidewalks,Streetlights,Fire Hydrant w/in 500'

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Oversized
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively 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

Inland Flooding
Lightning
Tornado
Winter Weather
Cold Wave
Hail
Heat Wave
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 $1,802$21,624
Home Insurance *$195$2,340
Property Taxes $353$4,236
Electricity $238$2,859
Total$2,588$31,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,731/yr
40% on housing$77,640/yr
45% on housing$69,013/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

$247This 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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Price change$360,500
2026-04-03Price change$356,500
2026-03-13Price change$313,500
2026-02-11Price change$359,500
2026-02-09Pending sale$313,500
2026-01-26Price change$313,500
2026-01-06Price change$338,000
2025-12-09Price change$339,500
2025-10-21Price change$338,999
2025-09-29Price change$358,999
2025-09-03Price change$359,500
2025-06-30Price change$356,999
2025-06-10Price change$351,999
2025-05-16Price change$352,500
2025-05-08Listed for sale$349,250

New Construction Spec

AgentR.J. Reyes
BrokerageKeller Williams Heritage

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