10286 Hartrick Bluff Road

Temple, TX 76502

$1,515,000

5 beds
5 baths
4,888 sq ft
2.36 acres
Built 2004

Listed by JD Walters Real Estate · MLS #564231

10286 Hartrick Bluff Road, Temple, TX 76502 — photo 1

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PROPERTY QUESTIONS & SHOWINGS

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10286 Hartrick Bluff Road, Temple, TX 76502 · MLS #564231

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A FEW THINGS TO NOTICE

What stands out.

Year built

Built in 2004.

Garage parking

3 garage spaces listed.

Property size

2.36 acres listed.

Highlights from the listing description and property details. Confirm features with the listing agent.

THE PROPERTY

Get to know the property.

Welcome to your dream home! Nestled on a picturesque property with breathtaking views, this stunning 4,888 sq. ft. estate offers a perfect blend of luxury and tranquility. Boasting 5 spacious bedrooms, 3 full bathrooms and 2 half elegantly appointed bathrooms, this home is ideal for those seeking comfort and style.

Step inside to discover bright and open living spaces filled with natural light, perfect for entertaining or relaxing. The gourmet kitchen features modern appliances, ample counter space, and a seamless flow into the dining and living areas.

Outside, a true oasis awaits. The lushly landscaped yard showcases mature trees, providing shade and privacy, while the resort-style pool invites endless summer fun. With direct river access, you can enjoy kayaking, fishing, or serene waterfront views right from your backyard.

Located in a peaceful and desirable neighborhood, this property combines the beauty of nature with modern living conveniences. Don’t miss your chance to own this one-of-a-kind retreat!

Sellers is opened to trades with other properties plus cash as well. No seller financing. Make offer

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THE NEIGHBORHOOD

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10286 Hartrick Bluff Road, Temple, TX 76502

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LOCAL MARKET CONTEXT

Bell County housing market

See the broader conditions surrounding this property through ERA Brokers Consolidated research.

12-month price trend$278,347Up 0.8% vs. the previous 12 months

Months of supply5.912-month average

Days on market11212-month weighted average

Latest available data: August 2026. Research by ERA Brokers Consolidated.

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These figures describe the broader reporting area and do not determine this property’s value, condition, availability, or likely sale price.

THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2004
Full baths: 3
Half baths: 2
Garage spaces: 3
Cooling: Electric,ThreeOrMoreUnits
Heating: Electric,MultipleHeatingUnits
Appliances: DoubleOven,Dishwasher,ElectricRange,ElectricWaterHeater,Disposal,Microwave,Refrigerator,SomeElectricAppliances,BuiltInOven
Flooring: Tile,Wood
Utilities: CableAvailable,ElectricityAvailable,Propane,TrashCollectionPublic
Exterior: Balcony,CoveredPatio,RainGutters,PropaneTankOwned
Fencing: RanchFence,WroughtIron
Pool: Yes
Pool features: InGround,Private
Spa: Yes
Subdivision: Riverscape
Parcel: 332032

Features and school information are supplied by the listing source. Confirm measurements, school assignments, HOA terms and rental restrictions before making a decision.

OWNERSHIP, WITH A PLAN

Investor outlook.

Explore this property’s rental potential with an all-cash purchase. Monthly rent starts at 5% of the purchase price per year, divided by 12. Adjust it and the other assumptions to explore your scenario.

These are planning assumptions, not a rental appraisal or a loan quote. The starting rent is a price-based estimate; a local leasing professional can help confirm market rent.

Investor outlook assumes an all-cash purchase. No mortgage payment is deducted.

Estimated monthly cash flow · cash purchase—

Estimated monthly rent$6,312.50

Cap rate—

Annual operating income: —

HOA: No HOA cost is included because the listing source does not report one. Confirm whether HOA dues apply before relying on this estimate.

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Adjust assumptions

Purchase price

Rental income & operating costs

Estimated monthly rent

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

Vacancy allowance (%) Management fee (%) Maintenance reserve (%) Capital reserve (%)

Annual property tax

Annual insurance

Annual insurance starts at purchase price × 0.25%, rounded to the nearest available amount. Updates with purchase price until you choose another amount.A planning estimate, not an insurance quote. Adjust it for your property and coverage.

Monthly HOA

Other monthly costs

Percentages are editable examples, not ERA fee quotes. Management is applied to rent after vacancy; maintenance and capital reserves use scheduled rent. Add owner-paid utilities, mortgage insurance and other recurring expenses under other costs.

How this scenario is calculated

Annual operating income is rent after vacancy, management, maintenance, taxes, insurance, HOA and other operating costs, before financing and capital reserves. Cap rate divides annual operating income by purchase price. Estimated monthly cash flow assumes an all-cash purchase: rent after vacancy, management, maintenance, taxes, insurance, HOA, other operating costs and capital reserves. No mortgage payment is deducted. The mortgage calculator is separate; loan payments would reduce cash flow for a financed purchase. One-time acquisition costs, renovations, income taxes, depreciation and appreciation are excluded.

Mortgage payment calculator

Explore financing separately. These loan settings do not change the all-cash investor outlook.

Mortgage assumptions

Down payment (%) Interest rate (%) Loan term

20% down and 7% interest are illustrative starting values.

Estimated monthly principal & interest—Loan payment only. Excludes property taxes, homeowners/flood insurance, mortgage insurance and HOA dues.

About this payment estimate

Based on a fixed-rate, fully amortizing loan with monthly payments and the price, down payment, interest rate and term you select. The interest rate is an example, not a current rate offer or APR; APR includes certain loan costs. This is an illustration, not a Loan Estimate, approval, offer of credit or commitment to lend.

Your actual payment, rate and eligibility depend on your lender, credit, loan program and property. Closing costs, points, prepaid expenses and lender fees are not included. Taxes and insurance may change, and mortgage insurance may be required, particularly with a down payment below 20%. Ask your lender for a Loan Estimate and a complete monthly payment including applicable taxes, insurance and fees.

Dollar results are rounded to the nearest cent; calculations retain precision until display. A cash purchase has no loan payment but still has ownership costs. Understand your total home payment (CFPB).

ERA PROPERTY MANAGEMENT

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Stone-front home with a landscaped lawn and central entry — A more complete plan for your property

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Listing information

MLS #564231 · Central Texas MLS

Listing brokerage: JD Walters Real Estate
Listing agent: Jessie Walters

Listing status: Active. Record updated September 10, 2026. Confirm current availability and price with the listing agent.