1128 Saddle Club Dr, Kerrville, TX, 78028
About This Home
Hill Country home nestled among numerous mature trees, including Spanish Oaks, fruit trees, pecans. Spacious property offers 3–4 bedrooms, 2.5 bathrooms, an open-concept kitchen featuring oak raised-panel cabinets, bar seating & a breakfast area. Additional interior highlights include a formal dining, private office, generous master suite, tile flooring throughout with carpeted bedrooms, an open living room with a rock fireplace, abundant storage & multiple closets.The exterior is equally inviting with xeriscaping in the front yard, a covered back deck, and a large partially fenced backyard, patio & sidewalks. Attached 23'x24 two-car garage includes two water heaters & a newer roof. A standout feature of this property is the extensive outbuilding space, Detached garage with 10'x41' tractor bay.Two workshops: 18x36 (with heat & air) & 10x17(both offering potential for conversion to guest quarters or an entertainment area; second workshop (unfinished), Additional 10x22 storage room, RV storage bay 12x41. Central water, private water well for irrigation. This property offers room to work, play, store all your essentials, plus the peaceful charm of Hill Country living. Carpet allowance
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2001
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Rock,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Hill Country
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop,Dishwasher,Disposal,Refrigerator,Washer,Electric Water Heater,Water Heater
- Laundry features: Inside,Main Level,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- High Ceilings,Shower Stall,Walk-In Closet(s),Shower/Bath Combo,Other,Master Downstairs,Kitchen Bar
- Flooring: Carpet,Tile,Other
- Fireplace features: Living Room
- Fireplace: Yes
- Attic: Pull Down Stairs
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,354
- Total interior livable area: 3,354 sqft
Property
Details
- Parcel number: 61609
- Zoning: residential
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck/Patio
- Exterior features: Xeriscaped,Other
- Fencing: Fenced
- Waterfront features: None
Lot
- Lot size: 1.50 Acres
- Features: Level,Open Lot
Parking
- Total spaces: 5
- Parking features: 2 Car Garage,3+ Car Garage,Attached,RV Access/Parking
- 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
- Lightning
- Winter Weather
- Hail
- Strong Wind
- Tornado
- Cold Wave
- Drought
- Heat Wave
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,539 | $42,468 |
| Home Insurance * | $461 | $5,532 |
| Property Taxes | $302 | $3,624 |
| Electricity | $368 | $4,419 |
| Total | $4,670 | $56,040 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-24 | Price change | $700,000 |
| 2025-12-08 | Listed for sale | $745,000 |
| 2025-12-07 | Listing removed | $750,000 |
| 2025-10-13 | Price change | $750,000 |
| 2025-07-23 | Price change | $875,000 |
| 2025-04-21 | Price change | $999,999 |
| 2024-02-24 | Listed for sale | $1,200,000 |
| 2011-11-03 | Listing removed | $76,800 |
| 2011-06-29 | Price change | $76,800 |
| 2011-02-24 | Listed for sale | $79,500 |
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