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12759 S Highway 16, Horseshoe Bay, TX, 78657

4beds
2baths
1,981sqft
$3,000,000
$1,514price/sqft
$19,567/moest. monthly cost
$782,680/yrincome needed

About This Home

** REDUCED BY $300,000 ** Steeped in rich family history dating back to the early 1800's, this scenic 125 Ac ranch is part of a larger ranch deeded in 1837 from Sam Houston in a Bounty Deed to family member of current owner. From the time you enter the front gate, venture through rugged areas, see the old rock wall on the back fenceline, to the panoramic views, you feel as if you’ve gone back in time. Located between Llano & Fredericksburg in the small historic Oxford area, this ranch is being offered for sale for the first time. You're also not too far from the Highland Lakes & Enchanted Rock State Park! Improvements on this beautiful ranch are: ** Spacious 4/2 1940's home, enlarged in the 1980's, w/2016 updates ** 2/1 furnished hunter's cabin, thought to be built in late 1800's or early 1900's ** Beautiful 2000 SF insulated Metal Bldg built in 2024 & big enough for a 36' RV ** Several older metal barns/sheds, 3 deer blinds and feeder, which will convey ** A good well services the ranch, & a Spring & old hand dug well, that they have never seen dry, is on the ranch for future water needs. In fact, weary stagecoach travelers stopped for water at their old well, which was a north/south route at the time. Excellent hunting area, w/minimal hunting on contiguous ranches, so it's a hunters' paradise for whitetail, aoudads, hogs & much more. ** A contiguous 125 Ac ranch w/nice home & barndo is also for sale, so would be a great 250 Ac Retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

8/10
Llano Elementary SchoolGrades PK-510.5 mi
6/10
Llano Junior High SchoolGrades 6-810.0 mi
6/10
Llano High SchoolGrades 9-129.8 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Appliances

  • Appliances included: Dryer,Microwave,Electric Range,Refrigerator,Trash Compactor,Washer,Washer Hookup,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Laminate Floating

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,981
  • Total interior livable area: 1,981 sqft

Property

Details

  • Parcel number: 007689

Features

  • Fencing: Barbed Wire,Perimeter,Partial
  • Has view: Yes
  • View description: Hill Country,Panoramic
  • Waterfront features: No

Lot

  • Lot size: 125.68 Acres

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
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $15,169$182,028
Home Insurance *$2,460$29,520
Property Taxes $1,700$20,400
Electricity $238$2,859
Total$19,567$234,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$670,868/yr
40% on housing$587,010/yr
45% on housing$521,786/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,514This listing

vs Other Active Listings

Avg $/sqft

ZIP 78657$464
Llano County$403

vs Homes Sold Last Month

Median $/sqft

ZIP 78657
Llano County$249

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
2026-05-06Price change$3,400,000
2026-01-24Listed for sale$3,700,000

For Sale by Agent

AgentKathy Beckham
BrokerageVirdell Real Estate, LLC

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