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

1229 Jefferson St, Kerrville, TX, 78028

2beds
1baths
816sqft
$220,000
$270price/sqft
$1,913/moest. monthly cost
$76,520/yrincome needed

About This Home

This beautifully renovated cottage sits on a desirable corner lot and is full of charm. Inside, you'll find a cozy 2-bedroom, 1-bath layout with high ceilings and light, neutral tones that make the space feel open and inviting. Natural light fills the home, highlighting the spacious bedrooms, both conveniently located near the updated bathroom. The bathroom features a large tiled walk-in shower, a new vanity, and cheerful, modern finishes. The kitchen offers generous cabinet storage and plenty of counter space, perfect for everyday living or entertaining. Just off the kitchen is a laundry room with direct access to the private backyard. Out back, you'll find a storage shed and ample space to relax or host gatherings. The home is located near Schreiner University and is approved for short-term rentals. All measurements, taxes, age, financial, and school information are approximate and should be independently verified by the buyer prior to entering into a contract.

Getting Around

66
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

5/10
Peterson Middle SchoolGrades 6-81.2 mi
5/10
Tivy High SchoolGrades 9-121.4 mi

Construction

Materials

  • Foundation: Pier & Beam
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other-See Remarks
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Electric Range,Refrigerator,Natural Gas Water Heater
  • Laundry features: Area,Inside

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • High Ceilings,Master Downstairs
  • Flooring: Wood
  • Fireplace features: None
  • Attic: Access Only

Heating & Cooling

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

Interior Area

  • Total structure area: 816
  • Total interior livable area: 816 sqft

Property

Details

  • Parcel number: 39017
  • Zoning: residential

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Stairs/Steps
  • Fencing: Fenced
  • Waterfront features: None

Lot

  • Lot size: 4,791 sqft
  • Features: Level,City Lot

Parking

  • Parking features: No Garage/Carport

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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Hail
Inland Flooding
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 $1,112$13,344
Home Insurance *$144$1,728
Property Taxes $419$5,028
Electricity $238$2,859
Total$1,913$22,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,588/yr
40% on housing$57,390/yr
45% on housing$51,013/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

$270This 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
2026-04-08Listed for sale$220,000
2026-04-06Contingent$220,000
2026-03-20Listed for sale$220,000
2025-01-06Listing removed$1,500
2024-12-14Listed for rent$1,500
2024-08-01Listing removed$220,000
2024-07-19Listed for sale$220,000
2022-05-13Sold--
2022-04-25Pending sale$199,000
2022-03-24Price change$199,000
2022-02-24Price change$208,000
2022-02-17Listed for sale$215,000

For Sale by Agent

AgentLara Hicks
BrokerageeXp Realty LLC / Tinsley Realty Group

Similar Homes