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632 Oak Valley, Kerrville, TX, 78028

3beds
3baths
1,727sqft
$367,500
$213price/sqft
$2,454/moest. monthly cost
$98,160/yrincome needed

About This Home

Beautiful one-owner, custom-built home in the desirable Oak Hollow Estates community. This well-maintained 3-bedroom, 3-bath residence offers 1,727 sq. ft. of thoughtfully designed living space tucked away in this quiet neighborhood. Low-maintenance xeriscaping enhances curb appeal and ease of care. The kitchen features quartz countertops and stainless steel appliances, opening to comfortable living and dining areas. A covered back patio provides an ideal space for outdoor entertaining or relaxing. The third bedroom includes an ensuite bath and is currently configured with a separate exterior entry, offering flexible use as a guest suite, home office, or multigenerational space, and can easily be restored to interior access. Oak Hollow Estates residents enjoy access to a private clubhouse, swimming pool, and park area. Conveniently located within four miles of medical facilities, schools, shopping, arts, and the central business district. This lovely home is move-in ready and waiting for its next owner. Come & See!

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

7/10
Nimitz Elementary SchoolGrades K-51.7 mi
5/10
Peterson Middle SchoolGrades 6-82.5 mi
5/10
Tivy High SchoolGrades 9-122.4 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2000

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick,Fiber Cement

Other

  • Builder name: Buck Buchanan Constructio

Type & Style

  • Home type: SingleFamily
  • Architectural style: Texas Hill Country
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedroom2

  • Area: 120

Bedroom3

  • Area: 144

Bedrooms & Bathrooms

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

Dining Room

  • Area: 130

Features

  • One Living Area,Separate Dining Room,1st Floor Lvl/No Steps,All Bedrooms Downstairs,Walk-In Closet(s),Master Downstairs,Ceiling Fan(s)
  • Window features: Double Pane Windows,Window Coverings,Skylight(s)
  • Flooring: Ceramic Tile
  • Fireplace features: Not Applicable
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central,1 Unit,Electric
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,727 sqft

Kitchen

  • Area: 126

Living Room

  • Area: 304

Master Bathroom

  • Features: Tub/Shower Separate,Double Vanity,Soaking Tub
  • Area: 108

Master Bedroom

  • Features: Walk-In Closet(s),Ceiling Fan(s),Full Bath
  • Area: 216

Property

Details

  • Parcel number: 502593

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community

Lot

  • Lot size: 6,403 sqft
  • Features: Sloped,Curbs,Sidewalks,Streetlights,Fire Hydrant w/in 500'

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage,Attached
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

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 $1,858$22,296
Home Insurance *$242$2,904
Property Taxes $116$1,392
Electricity $238$2,859
Total$2,454$29,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,137/yr
40% on housing$73,620/yr
45% on housing$65,440/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 78028$298
Kerr County$336

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)

No zestimate history available

Price History

DateEventPrice
2026-02-18Listed for sale$375,000

For Sale by Agent

AgentBrenda DeVore, CENTURY 21 The Hills Realty
BrokerageCENTURY 21 The Hills Realty

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