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425 White Steppe Way Unit 56, Georgetown, TX, 78626

4beds
3baths
1,593sqft
$249,900
$157price/sqft
$1,919/moest. monthly cost
$76,760/yrincome needed

About This Home

Welcome to Saddle Creek in Georgetown, where modern construction, functional space, and low-maintenance living come together. This 4-bedroom, 2.5-bath condo, built in 2022, offers 1,593 square feet with a smart layout that gives buyers the flexibility for everyday living, guests, a home office, or extra family space. With a newer build, buyers will appreciate the updated feel, efficient use of space, and the chance to enjoy a move-in ready home in one of Georgetown’s growing areas. Located in the Saddle Creek master-planned community, this home offers access to neighborhood amenities including a resort-style pool, children’s splash pad, fitness center, event room, playground, onsite disc golf course, and trail connectivity. What makes this home especially appealing is the lifestyle that comes with the location. Buyers are close to Georgetown’s historic downtown square, Blue Hole Park, San Gabriel Park, Inner Space Cavern, and Wolf Ranch Town Center, which offers 80+ shops and restaurants. That combination of neighborhood amenities, convenience, outdoor recreation, and local charm gives this property strong buyer appeal.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
George Wagner MiddleGrades 6-82.6 mi
5/10
East View High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Composition, Shingle

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Gas Range,Self Cleaning Oven,Stainless Steel Appliance(s),Gas Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Bar,Ceiling Fan(s),Stone Counters,Entrance Foyer,Interior Steps,Kitchen Island,Pantry,Recessed Lighting,Walk-In Closet(s),Washer Hookup
  • Window features: Blinds,Double Pane Windows
  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,593 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 20956300000056
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: None
  • Exterior features: Exterior Steps,Private Yard
  • Fencing: Back Yard, Wood
  • Has view: Yes
  • View description: Park/Greenbelt
  • Waterfront features: None

Lot

  • Lot size: 2,178 sqft
  • Features: Back to Park/Greenbelt,Back Yard,Curbs,Front Yard,Interior Lot,Level

Parking

  • Total spaces: 1
  • Parking features: Concrete,Door-Single,Off Street
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Winter Weather

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 $1,263$15,156
Home Insurance *$106$1,272
Property Taxes $312$3,744
Electricity $238$2,859
Total$1,919$23,028
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,794/yr
40% on housing$57,570/yr
45% on housing$51,173/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 78626$309
Williamson County$319

vs Homes Sold Last Month

Median $/sqft

ZIP 78626$181
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
2026-04-03Listed for sale$285,000

For Sale by Agent

AgentSandee Payne
BrokerageeXp Realty LLC

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