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181 Deerwood Circle, Bandera, TX, 78003

4beds
3baths
2,196sqft
$509,900
$232price/sqft
$3,401/moest. monthly cost
$136,040/yrincome needed

About This Home

Seller Willing to Contribute Toward Closing Costs or Rate Buydown! New Construction Golf Course Home in Flying L Ranch! Experience modern Hill Country living in this beautifully designed 4-bedroom, 2.5-bath home with 2,196 sq ft, perfectly positioned in the desirable Flying L Ranch community in Bandera, Texas. This thoughtfully crafted new construction offers an open and inviting layout filled with natural light and elegant finishes throughout. The spacious living area is anchored by a dramatic floor-to-ceiling stone fireplace, creating a warm centerpiece that flows seamlessly into the dining area and designer kitchen. The kitchen features a large island, abundant cabinetry, generous counter space, and walk-in pantry, making it ideal for entertaining or everyday living. The primary suite offers a private retreat with vaulted ceilings and a spa-inspired bathroom featuring dual vanities, a soaking tub, and an oversized walk-in shower, along with a large walk-in closet. Upstairs, a second living area opens to a covered balcony overlooking the beautiful Flying L golf course, providing the perfect space to relax and enjoy peaceful Hill Country views. Additional highlights include foam insulation for energy efficiency, water softener, spacious garage, mudroom, and flexible downstairs bedroom or office space. Located in the scenic Flying L Ranch community, residents enjoy golf course living, quiet surroundings, and convenient access to the charm of Bandera and the greater Hill Country area. A rare opportunity to own a brand-new home in one of Bandera's most desirable communities.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Alkek Elementary SchoolGrades PK-51.0 mi
5/10
Bandera Middle SchoolGrades 6-82.4 mi
4/10
Bandera High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Siding,1 Side Masonry

Other

  • Builder name: Todd Franke Custom Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range,Disposal,Dishwasher,Plumbed For Ice Maker,Water Softener Owned,Vented Exhaust Fan,Electric Water Heater
  • Laundry features: Main Level,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 120

Bedroom3

  • Area: 144

Bedroom4

  • Area: 144

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Area: 104

Family Room

  • Area: 209

Features

  • One Living Area,Liv/Din Combo,Eat-in Kitchen,Kitchen Island,Pantry,Loft,Utility Room Inside,1st Floor Lvl/No Steps,High Ceilings,Open Floorplan,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s),Solid Counter Tops
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: One,Family Room,Stone/Rock/Brick,Glass Doors,Other
  • Fireplace: Yes
  • Attic: Access Only,Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,196 sqft

Kitchen

  • Area: 182

Master Bathroom

  • Features: Tub/Shower Separate,Double Vanity
  • Area: 391

Master Bedroom

  • Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Area: 221

Property

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community

Lot

  • Lot size: 10,672 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Two Car 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

  • 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

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $2,578$30,936
Home Insurance *$238$2,856
Property Taxes $344$4,128
Electricity $241$2,893
Total$3,401$40,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,605/yr
40% on housing$102,030/yr
45% on housing$90,693/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 78003$156
Bandera County$244

vs Homes Sold Last Month

Median $/sqft

ZIP 78003$204
Bandera County$231

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
2026-03-27Price change$515,000
2026-03-05Price change$519,700
2026-01-09Listed for sale$524,900

New Construction

AgentJoel Almosara
BrokerageColdwell Banker D'Ann Harper

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