See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

523 S Rio Grande St, Lockhart, TX, 78644

3beds
2baths
1,103sqft
$148,900
$135price/sqft
$1,356/moest. monthly cost
$54,240/yrincome needed

About This Home

Great Investment property. Lots to work with including second kitchen and bath with separate entrance. This property is priced with repairs in mind. Property has been a rental. With a little paint and imagination this could be a great rental or family home with needs for a private space. Perfect for an older child going to school or a parent that wants a little privacy but still wants to be close. just off the back porch there is a laundry room with washer and dryer connections. The fence is fenced and shaded. The roof and AC are recent. Title has been opened at Independence title for a quick close. Location is convenient to schools.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
3/10
3/10
Lockhart High SchoolGrades 9-120.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1935

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Features

  • See Remarks
  • Window features: See Remarks
  • Flooring: Laminate

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,103 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 030054100100110
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Front Porch
  • Exterior features: No Exterior Steps
  • Spa features: None
  • Fencing: Back Yard
  • Has view: Yes
  • View description: None
  • Waterfront features: None

Lot

  • Lot size: 6,368 sqft
  • Features: Back Yard,City Lot,Few Trees,Front Yard,Public Maintained Road

Parking

  • Parking features: Off Street

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

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Severe 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 $752$9,024
Home Insurance *$104$1,248
Property Taxes $262$3,144
Electricity $238$2,859
Total$1,356$16,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,491/yr
40% on housing$40,680/yr
45% on housing$36,160/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 9.3%
9.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 78644$381
Caldwell County$321

vs Homes Sold Last Month

Median $/sqft

ZIP 78644$159
Caldwell County$153

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)

No zestimate history available

Price History

DateEventPrice
2026-02-25Listed for sale$148,900
2012-11-01Listing removed$64,900
2012-08-23Pending sale$64,900
2012-07-16Listed for sale$64,900
2011-03-09Listing removed$64,900
2010-11-04Listed for sale$64,900

For Sale by Agent

AgentKaren Bell
BrokerageBell & Associates

Similar Homes