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

123 Frio, Bandera, TX, 78003

4beds
2baths
1,216sqft
$105,000
$86price/sqft
$957/moest. monthly cost
$38,280/yrincome needed

About This Home

Back on the market at no fault of the seller! Motivated seller - bring all reasonable offers! Seller financing available with the right terms. This property is a rare opportunity for someone looking for privacy, space, and potential at an affordable price. Situated behind a solar powered gate on two beautiful lots, this home offers a secluded setting with 4 bedrooms, 2 bathrooms, and a large screenedin back porch perfect for relaxing and enjoying the peaceful surroundings. There's plenty of room for vehicles and storage with a two-car carport and an additional storage shed. The community pool is within walking distance, making it easy to enjoy the amenities without the hassle. HOA presence is minimal - they rarely bother you, giving you the freedom to enjoy the property as you wish. This home does need work, and the price reflects that. It's an older property with some known issues, making it ideal for someone who wants a project, an investor, or a buyer who wants instant equity with some TLC. For the right person, this is a chance to create something special on a great piece of land. Seller is open to owner financing with a strong down payment and a short-term note (up to 8 years). If you're looking for affordability, privacy, and potential - this is the one to see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
Alkek Elementary SchoolGrades PK-55.8 mi
5/10
Bandera Middle SchoolGrades 6-87.7 mi
4/10
Bandera High SchoolGrades 9-127.7 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 1996

Materials

  • Foundation: Other
  • Roof: Metal
  • Construction materials: Siding

Other

  • Builder name: Oakwood

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Washer,Dryer,Range,Refrigerator,Dishwasher,Plumbed For Ice Maker,Vented Exhaust Fan,Electric Water Heater
  • Laundry features: Washer Hookup,Dryer Connection

Bedroom2

  • Area: 77

Bedroom3

  • Area: 110

Bedroom4

  • Area: 84

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 72

Features

  • One Living Area,Eat-in Kitchen,Breakfast Bar,Utility Room Inside,Open Floorplan,Ceiling Fan(s)
  • Flooring: Carpet,Vinyl,Laminate
  • Fireplace features: Not Applicable

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,216 sqft

Kitchen

  • Area: 160

Living Room

  • Area: 240

Master Bathroom

  • Features: Shower Only,Single Vanity
  • Area: 40

Master Bedroom

  • Features: Split,Ceiling Fan(s),Full Bath
  • Area: 192

Property

Details

  • Parcel number: 14550070003070

Features

  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Deck
  • Fencing: Partial,Wire
  • Has view: Yes
  • View description: County VIew
  • Residential vegetation: Mature Trees

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 2
  • Parking features: None,Two Car Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Lightning
    LightningVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $530$6,360
Home Insurance *$49$588
Property Taxes $140$1,680
Electricity $238$2,859
Total$957$11,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,811/yr
40% on housing$28,710/yr
45% on housing$25,520/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 78003$162
Bandera County$247

vs Homes Sold Last Month

Median $/sqft

ZIP 78003$204
Bandera County$231

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
2026-03-31Listed for sale$105,000
2026-02-27Pending sale$105,000
2026-01-30Listed for sale$105,000
2013-04-17Sold--
2012-01-05Price change$44,000
2011-03-19Listed for sale$54,000
2006-05-16Sold--

For Sale by Agent

AgentLindsay Barnett
BrokerageBarnett Realty Group, LLC

Similar Homes