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155 Monarch Dr, Kerrville, TX, 78028

4beds
2baths
2,155sqft
$205,000
$95price/sqft
$1,444/moest. monthly cost
$57,760/yrincome needed

About This Home

Room to spread out and upgrades already done-this 4 bedroom, 2 bathroom home in Windmill Ridge offers the space and features that are hard to find! Built with quality in mind, you'll appreciate the 2x6 construction, durable siding, and well-designed layout that makes everyday living easy. Inside, the home feels open and inviting with laminate flooring through the main areas and a centrally positioned kitchen that connects seamlessly to both the living and dining spaces. The kitchen offers plenty of cabinet storage, workspace, and functionality for hosting or daily use. Just off the living area, the enclosed sun porch brings in natural light and creates a great spot to unwind. Major updates have already been taken care of, including a new roof, new A/C, and new water heater. The oversized attached 2-car garage is a standout feature, complete with a workshop area, extra storage, and 30-amp service-perfect for projects, hobbies, or RV needs. Washer and dryer will convey, making this home move-in ready from day one. Located in the sought-after Windmill Ridge community, this property offers a great combination of space, updates, and value in a peaceful Hill Country setting.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
Ingram Elementary SchoolGrades PK-51.0 mi
6/10
Ingram MiddleGrades 6-82.3 mi

Construction

Condition

  • Year built: 2004

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Oven,Washer

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl
  • Finished area above ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 0
  • Total interior livable area: 2,155 sqft

Property

Details

  • Parcel number: 70118
  • On leased land: Yes
  • Lease amount: 475

Features

  • Patio & porch: Covered Porch

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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $1,036$12,432
Home Insurance *$135$1,620
Property Taxes $35$420
Electricity $238$2,859
Total$1,444$17,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,508/yr
40% on housing$43,320/yr
45% on housing$38,506/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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 78028$299
Kerr County$337

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)

Price History

DateEventPrice
2026-04-07Listed for sale$237,000
2016-01-27Sold--

For Sale by Agent

AgentKimberly Spears
BrokerageHome in The Hills Realty

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