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411 Palo Brea Loop, Hutto, TX, 78634

5beds
4baths
3,079sqft
$483,000
$157price/sqft
$3,692/moest. monthly cost
$147,680/yrincome needed

About This Home

Welcome to 411 Palo Brea Loop, a beautifully upgraded Ashton Woods hime in Hutto's sought-after Covered Bridge community. Built in 2023 and offering 3,079 square feet of thoughtfully designed living space, this 5-Bedroom, 4-Bath home combines modern style, flexibility, and functionality. Designed to accommodate a variety of lifestyles, the home features a dedicated home office (main level), two spacious living areas, and a well-appointed kitchen centered around an oversized island that seamlessly connects to the main living space. Additional cabinetry provides enhanced storage, while custom built-ins in both office and upstairs living area add character and convenience. The flexible floorplan includes four full bathroom and generously sized bedrooms, making it ideal for guests, multi-generational living, or those needing extra space to work and play. A mudroom helps keep daily life organized, while the tandem 3-car garage offers ample room for vehicles, storage, hobbies or a home gym. Outdoor living has been thoughtfully enhanced with an extended covered patio, creating the perfect setting for entertaining, grilling, or relaxing evenings at home. An added front sitting area providers a welcoming space to enjoy your morning coffee and connect with neighbors. Situated on a 0.156-acre homesite conveniently located near SH-130, residents enjoy quick access to Round Rock, Pflugerville, Austin, Hutto Lake Park, the Co-Op District, shopping, dining, and major employers.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

6/10
5/10
Hutto High SchoolGrades 9-122.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Composition, Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Microwave,Free-Standing Gas Range,Electric Water Heater,Water Softener Owned

Bathroom

  • Level: Main

Bedroom

  • Features: Ceiling Fan(s),High Ceilings
  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Features

  • 2 Primary Suites,Ceiling Fan(s),High Ceilings,Granite Counters,In-Law Floorplan,Interior Steps,Kitchen Island,Multiple Living Areas,Open Floorplan,Pantry,Recessed Lighting,Study/Home Office,Walk-In Closet(s)
  • Window features: Blinds,Screens
  • Flooring: Carpet,Laminate,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total interior livable area: 3,079 sqft

Kitchen

  • Features: Breakfast Bar,Granite Counters,Dining Area,High Ceilings,Open to Family Room,Pantry,Recessed Lighting
  • Level: Main

Loft

  • Level: Second

Primary Bathroom

  • Features: Double Vanity,Walk-in Shower
  • Level: Second

Primary Bedroom

  • Features: Ceiling Fan(s),Full Bath
  • Level: Second

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 141139000D0017
  • Special condition: Standard

Features

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

Lot

  • Lot size: 6,804 sqft
  • Features: Back Yard,Curbs,Front Yard,Landscaped,Sprinkler - Automatic,Trees-Small (Under 20 Ft)

Parking

  • Total spaces: 3
  • Parking features: Door-Single,Driveway,Garage Door Opener,Garage Faces Front,Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Hail
Lightning

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 $2,442$29,304
Home Insurance *$225$2,700
Property Taxes $687$8,244
Electricity $338$4,057
Total$3,692$44,304
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,582/yr
40% on housing$110,760/yr
45% on housing$98,453/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: 4.9%
4.9%
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

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 78634$249
Williamson County$319

vs Homes Sold Last Month

Median $/sqft

ZIP 78634$179
Williamson County$192

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
2026-07-23Price change$483,000
2026-06-12Listed for sale$498,000

For Sale by Agent

AgentChristopher Hernandez
BrokerageeXp Realty, LLC

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