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128 Cloverleaf, Schertz, TX, 78154

3beds
2baths
1,830sqft
$224,900
$123price/sqft
$1,879/moest. monthly cost
$75,160/yrincome needed

About This Home

CHECK OUT THIS AMAZING OPPORTUNITY TO OWN A HOME IN A NEIGHBORHOOD WITH NO HOA, A GREENBELT LOT AND AN INCREDIBLE CHANCE TO MAKE CHANGES AND UPGRADES AS YOU'D LIKE. MOVE IN READY! Check out this hidden gem of a home in highly sought after and very centrally located Schertz, convenient to both Randolph Air Force Base and Ft. Sam. This 3 bedroom home, shaded by mature trees, offers over 1800 square feet which includes multiple living areas. The space throughout the home is very versatile, offering a large eating and living area near the kitchen. The sitting room at the front of the home can also be used for a formal dining room or an office. Relax in the large converted garage space, which is perfect for a game room or a family gathering room. The opportunities are endless! Step outside to enjoy the spacious backyard, perfect for entertaining. Enjoy your morning coffee or evening glass of wine on the covered patio. In the backyard, you will find two storage sheds, a gazebo, an extended concrete patio and decking connecting each of the entertainment areas. The privacy fence was recently replaced and completes the backyard beautifully. Imagine a fire pit and multiple sitting areas to enjoy the Texas evening skies. The home has an updated whole house HVAC system, which was installed in 2021 and a nearly new roof that was installed in 2019. The home has been deep cleaned, to include the carpets being shampooed, making it move in ready! The exterior was painted in 2024 and the interior also has fresh paint as of October 2025. Come check out this charming home before it's gone!

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 1968

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,3 Sides Masonry,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator,Disposal,Electric Water Heater
  • Laundry features: Main Level,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 120

Bedroom3

  • Area: 100

Bedrooms & Bathrooms

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

Dining Room

  • Area: 144

Family Room

  • Area: 234

Features

  • Two Living Area,Liv/Din Combo,Utility Room Inside,Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile
  • Fireplace features: Not Applicable
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,830 sqft

Kitchen

  • Area: 80

Living Room

  • Area: 154

Master Bathroom

  • Features: Shower Only,Single Vanity
  • Area: 36

Master Bedroom

  • Features: Ceiling Fan(s),Full Bath
  • Area: 143

Property

Details

  • Parcel number: 1G1930100500800000

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Patio,Covered
  • Fencing: Privacy
  • Residential vegetation: Mature Trees

Lot

  • Lot size: 8,363 sqft
  • Features: Curbs,Streetlights

Parking

  • Parking features: Converted Garage
  • Has garage: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Heat Wave
Lightning
Tornado
Winter Weather

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 $1,137$13,644
Home Insurance *$125$1,500
Property Taxes $379$4,548
Electricity $238$2,859
Total$1,879$22,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,422/yr
40% on housing$56,370/yr
45% on housing$50,106/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: 4.4%
4.4%
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

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 78154$150
Guadalupe County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 78154$167
Guadalupe County$148

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
2026-05-02Price change$224,900
2026-03-27Price change$229,900
2026-01-09Price change$234,999
2025-10-24Listed for sale$239,000

For Sale by Agent

AgentMichelle Urbina
BrokerageNoble Group Realty

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