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295 Oak Creek Cir, Luling, TX, 78648

3beds
2baths
1,974sqft
$395,000
$200price/sqft
$3,184/moest. monthly cost
$127,360/yrincome needed

About This Home

Discover unparalleled serenity and modern comfort in this beautifully updated residence, nestled within the highly coveted Hidden Oaks Estates subdivision. Recent comprehensive updates have revitalized this open-concept home, featuring fresh interior and exterior paint, new flooring throughout, updated counters, modern light fixtures, and new appliances, creating an inviting and bright living space. The kitchen stands as the heart of the home, boasting butcher block counters, a charming farm sink, and an oversized island with ample seating, perfect for entertaining guests while seamlessly connecting to the living and dining areas. A cozy wood-burning fireplace in the living room provides a warm ambiance for cooler evenings. Each of the three bedrooms offers generous closet space, ensuring comfort and convenience for all residents. The property sits on a spacious corner lot, nearly half an acre, and is adorned with mature trees in both the front and back yards, offering natural beauty and privacy. Outdoor living is enhanced by a large covered back patio, ideal for alfresco dining and entertaining. The two-car garage includes an AC vent, providing a comfortable workspace. An invaluable in-ground sprinkler system, fed by a private water well, ensures efficient and cost-effective landscape maintenance year-round. Located in Luling, residents enjoy access to a 9-hole golf course, a city park with access to the San Marcos River for swimming and fishing, and local culinary delights including City Market BBQ and Luling BBQ. This home truly offers a harmonious blend of peaceful living and community amenities.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Luling Elementary SchoolGrades PK-52.2 mi
4/10
Luling High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Shingle

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Free-Standing Electric Range,RNGHD,Free-Standing Refrigerator,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • See Remarks,Breakfast Bar,Ceiling Fan(s),Kitchen Island,Multiple Living Areas,No Interior Steps,Open Floorplan,Primary Bedroom on Main
  • Window features: Insulated Windows
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Heatilator,Wood Burning

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,974 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 23527
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Front Porch,Patio
  • Exterior features: Private Yard
  • Fencing: Back Yard, Privacy
  • Has view: Yes
  • View description: See Remarks,Neighborhood,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 0.41 Acres
  • Features: Alley Access,Back Yard,Corner Lot,Front Yard,Gentle Sloping,Public Maintained Road,Sprinkler - Automatic,Sprinkler - Back Yard,Sprinklers In Front,Sprinkler-Manual,Trees-Large (Over 40 Ft),Many Trees

Parking

  • Total spaces: 2
  • Parking features: Alley Access,Driveway,Garage,Garage Door Opener,Paved,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

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

How This Home’s Risks Compare

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

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 $1,997$23,964
Home Insurance *$372$4,464
Property Taxes $577$6,924
Electricity $238$2,859
Total$3,184$38,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,165/yr
40% on housing$95,520/yr
45% on housing$84,906/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: 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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 78648$251
Caldwell County$320

vs Homes Sold Last Month

Median $/sqft

ZIP 78648$157
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)

Price History

DateEventPrice
2026-07-30Listed for sale$395,000
2025-10-17Listing removed$219,000
2025-09-25Contingent$219,000
2025-09-24Listed for sale$219,000
2025-09-15Listing removed$219,000
2025-08-15Listed for sale$219,000
2012-04-11Listing removed$157,000
2012-03-22Price change$157,000
2012-01-06Price change$159,000
2011-08-02Listed for sale$165,000

For Sale by Agent

AgentKaren Bell
BrokerageBell & Associates

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