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628 Cloud Top, Canyon Lake, TX, 78133

2beds
1baths
1,233sqft
$290,000
$235price/sqft
$1,893/moest. monthly cost
$75,720/yrincome needed

About This Home

Perched on a scenic 0.31-acre homesite, this charming one-owner Canyon Lake retreat offers breathtaking hilltop views with glimpses of the lake right from your porch. Built in 2013, this thoughtfully designed 2-bedroom, 1-bath home features high ceilings that create an open, airy feel throughout. The kitchen is both functional and inviting, complete with convenient drawers, a pantry with automatic lighting, and a refrigerator that conveys. The home also features a versatile office space attached to the primary bedroom, complete with a closet and abundant natural light. The primary bedroom itself offers direct access to the porch along with expansive windows that showcase the incredible views, while the office enjoys its own scenic outlook overlooking the surrounding trees and beautiful hill country landscape. Additional highlights include a washer, dryer, and TVs that can convey, making this home truly move-in ready. Whether you're enjoying your morning coffee or unwinding in the evening, the unmatched views are the standout feature you'll never get tired of.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

5/10
7/10
Mt Valley Middle SchoolGrades 6-86.8 mi
6/10
Canyon Lake High SchoolGrades 9-128.1 mi

Construction

Condition

  • Property condition: Pre-Owned
  • Year built: 2013

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Washer,Dryer,Self Cleaning Oven,Microwave,Range,Refrigerator
  • Laundry features: Main Level,Washer Hookup,Dryer Connection

Bedroom2

  • Area: 100

Bedrooms & Bathrooms

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

Features

  • One Living Area,Liv/Din Combo,Eat-in Kitchen,Kitchen Island,Pantry,Study/Library,1st Floor Lvl/No Steps,High Ceilings,All Bedrooms Downstairs,Master Downstairs,Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: Ceramic Tile
  • Fireplace features: Not Applicable

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,233 sqft

Kitchen

  • Area: 100

Living Room

  • Area: 266

Master Bedroom

  • Area: 196

Property

Details

  • Parcel number: 500340265500

Features

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

Lot

  • Lot size: 0.31 Acres

Parking

  • Total spaces: 2
  • Parking features: Two Car Garage
  • 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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Texas Counties

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 $1,466$17,592
Home Insurance *$149$1,788
Property Taxes $40$480
Electricity $238$2,859
Total$1,893$22,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,902/yr
40% on housing$56,790/yr
45% on housing$50,480/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 78133$199
Comal County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 78133$231
Comal County$198

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
2026-03-24Listed for sale$290,000

For Sale by Agent

AgentCarri Amescua
BrokerageRider Realty

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