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412 Sky Harbor Rd, Mountain Home, TX, 78058

1beds
1baths
1,300sqft
$235,000
$181price/sqft
$1,996/moest. monthly cost
$79,840/yrincome needed

About This Home

Endless possibilities await on this 3.69-acre unrestricted property in Mountain Home, TX! Nestled in a quiet rural setting with scattered hardwoods and few cedars, you'll find two cabins ready for your vision. The charming ~800 square foot main cabin features 1 bedroom, 1 bath with shower, an eat-in kitchen, and a cozy living area—perfect for a weekend escape or full-time living. A comfortable cozy space today, with room for future improvements. The ~500 square foot guest cabin offers a studio layout with private bath and completed exterior; interior finish-out is all that's needed to make it shine. A private well and septic are already in place, along with utilities, giving you a head start. Whether you dream of a family retreat, income-producing rentals, or your own peaceful homestead, the freedom of no restrictions means you can make it happen. Enjoy wide-open skies, country breezes, and a property brimming with potential!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
Ingram Elementary SchoolGrades PK-515.3 mi
6/10
Ingram MiddleGrades 6-814.1 mi
6/10

Construction

Materials

  • Foundation: Pier & Beam
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Electric Range,Electric Water Heater
  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Shower Stall,Master Downstairs
  • Flooring: Vinyl
  • Fireplace features: None
  • Attic: Other

Heating & Cooling

  • Heating features: Electric,Wall Furnace
  • Cooling features: Electric,Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Property

Details

  • Zoning: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Waterfront features: None

Lot

  • Lot size: 3.69 Acres
  • Features: Secluded

Parking

  • Parking features: No Garage/Carport

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 FloodingVery High
  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively 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

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

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 $1,188$14,256
Home Insurance *$396$4,752
Property Taxes $174$2,088
Electricity $238$2,859
Total$1,996$23,952
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,434/yr
40% on housing$59,880/yr
45% on housing$53,226/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

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 78058$337
Kerr County$337

vs Homes Sold Last Month

Median $/sqft

ZIP 78058$403
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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Listed for sale$235,000
2026-03-01Listing removed$250,000
2025-08-18Listed for sale$250,000

For Sale by Agent

AgentAmy Reno
BrokerageReno Realty Group

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