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

429 Spanish Oak Trl, Harper, TX, 78631

4beds
3baths
1,768sqft
$374,000
$212price/sqft
$2,800/moest. monthly cost
$112,000/yrincome needed

About This Home

Step into comfort and Hill Country charm with this move-in ready 4 bedroom, 2 bath home on 5± acres located in the quiet Kimble Oaks subdivision. Built in 2015 and offering 1,768± sq. ft., the home features a split floor plan with an open-concept layout and several recent updates, including fresh paint, new flooring, updated kitchen lighting, and ceiling fans in multiple rooms. The spacious primary suite includes a walk-in closet and an ensuite bath with dual vanities and a walk-in shower. Outside, the property is fully fenced with an electric gate and features a front deck ideal for relaxing or entertaining. Additional improvements include a Tuff shed with AC, a small metal storage container, and a rustic chicken coop ready for farm-fresh eggs. This versatile property offers a desirable lifestyle, perfect for raising 4H projects, gardening, or observing local wildlife. By night, enjoy breathtaking views of the Milky Way in all its glory. Located just 6 minutes from Highway 290, this property offers privacy without sacrificing convenience—only 8 miles to Harper, 15 miles to I-10, 28 miles to Kerrville, and 31 miles to Fredericksburg. With its serene setting and versatile improvements, this property is a rare opportunity to enjoy the Hill Country lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

10/10
Harper Elementary SchoolGrades PK-46.7 mi
6/10
Harper Middle SchoolGrades 5-86.8 mi
7/10
Harper High SchoolGrades 9-126.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2015

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range

Bathroom

  • Features: Soaking Tub
  • Level: First

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First

Bedroom

  • Features: Ceiling Fan(s)
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 4

Features

  • Ceiling Fan(s),Electric Dryer Hookup,Kitchen Island,Walk-In Closet(s),Washer Hookup
  • Window features: Blinds
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,768 sqft

Primary Bathroom

  • Features: Double Vanity,Walk-in Shower
  • Level: First

Primary Bedroom

  • Features: Ceiling Fan(s),Full Bath,Walk-In Closet(s)
  • Level: First

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 16871
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch,Rear Porch
  • Exterior features: See Remarks
  • Fencing: Perimeter
  • Has view: Yes
  • View description: Hill Country,Panoramic,Skyline,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 5 Acres
  • Features: Level,Native Plants,Trees-Moderate,Views

Parking

  • Parking features: Driveway,Open

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
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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

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 $1,891$22,692
Home Insurance *$397$4,764
Property Taxes $274$3,288
Electricity $238$2,859
Total$2,800$33,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,000/yr
40% on housing$84,000/yr
45% on housing$74,666/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 14.2%
14.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 78631$216
Kimble County$619

vs Homes Sold Last Month

Median $/sqft

ZIP 78631
Kimble County$694

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
2025-12-15Price change$398,000
2025-09-25Listed for sale$419,000
2020-12-10Sold--
2020-11-16Pending sale$275,000
2020-11-11Listed for sale$275,000
2019-04-04Sold--

For Sale by Agent

AgentJustin Cop
BrokerageFredericksburg Realty

Similar Homes