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2312A Sailing Way, Kerrville, TX, 78028

3beds
2baths
1,280sqft
$235,900
$184price/sqft
$1,759/moest. monthly cost
$70,360/yrincome needed

About This Home

Well-maintained two-story attached townhome offering approximately 1,280 SF with three bedrooms and two bathrooms in a desirable Kerrville location. The open-concept main level features living, kitchen, and dining areas with tile flooring, granite countertops, and neutral finishes designed for comfortable everyday living. A full appliance package conveys including refrigerator, range, built-in microwave, dishwasher, washer, and dryer. The primary suite includes a private bath with dual vanity sinks, while the additional bedrooms share a full bathroom. Exterior features include a covered side porch, attractive rock-veneered columns, HardiBoard siding, composite roof, xeriscaped landscaping, and a two-car attached garage. HOA covers trash, water, sewer, and lawn maintenance for easy, low-maintenance living. Ideally located near parks, walking trails, and the Olympic pool and just minutes from Tom Daniels Elementary School, Hal Peterson Middle School, and Tivy High School. Currently tenant occupied, making this an appealing opportunity for investors or future owner-occupants.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
5/10
Peterson Middle SchoolGrades 6-80.8 mi
5/10
Tivy High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Composition
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Residential,Townhouse

Interior

Appliances

  • Laundry features: Washer-Dryer Connection

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Pantry
  • Window features: Double Pane Windows
  • Fireplace features: None

Heating

  • Heating features: Central,Electric

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Property

Details

  • Zoning: R-2

Features

  • Levels: Two
  • Waterfront features: None
  • Topography of land: Level

Lot

  • Lot size: 1,306 sqft
  • Features: In City Limits

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

  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $1,192$14,304
Home Insurance *$155$1,860
Property Taxes $174$2,088
Electricity $238$2,859
Total$1,759$21,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,308/yr
40% on housing$52,770/yr
45% on housing$46,906/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

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 78028$298
Kerr County$337

vs Homes Sold Last Month

Median $/sqft

ZIP 78028$191
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)

Price History

DateEventPrice
2026-04-06Listed for sale$235,900

For Sale by Agent

AgentLaura Fore
BrokerageFore Premier Properties

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