20900 Waterside

Lago Vista, TX 78645

$295,000

3 beds
3 baths
1,434 sq ft
0.18 acres
Built 2002

Listed by Team Price Real Estate · MLS #ACT3729794

20900 Waterside, Lago Vista, TX 78645 — photo 1

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A FEW THINGS TO NOTICE

What stands out.

Living spaces

Step onto the covered front porch—perfect for morning coffee—before entering a bright, airy living room with soaring ceilings and abundant natural light.

Year built

Built in 2002.

Garage parking

1 garage spaces listed.

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

THE PROPERTY

Get to know the property.

This is the one! An exceptional opportunity to live so close to Lake Travis at an incredible value. Tucked away in the Waterside Oaks condo community of Lago Vista, this two-story end unit offers privacy, space, and an ideal layout.
Step onto the covered front porch—perfect for morning coffee—before entering a bright, airy living room with soaring ceilings and abundant natural light. The open-concept design flows seamlessly into the updated kitchen, featuring quartz countertops, stainless steel appliances and a convenient laundry closet. The spacious dining area overlooks the private backyard and patio, creating an inviting space for everyday living and entertaining. The fully fenced backyard offers a secure and relaxing outdoor retreat—ideal for pets to roam and play freely. A well-placed half bath completes the main level.
Upstairs, the primary suite offers a full updated bath with a walk-in shower, accompanied by two additional bedrooms and an updated guest bath.
An attached single car garage offers convenient parking. New grinder pump installed August 2025 and all new windows December 2021.
Residents also enjoy resort-style amenities, including a sparkling pool overlooking the lake, a pavilion perfect for gatherings and meals, beautiful lawns with trees, and incredible sweeping lake views. The property is also located within the LVPOA, which provides an abundance of amenities including 9 waterfront parks, boat ramps, lake access, campground, fitness centers, pavilions, playground, marina, pool, sport courts, disc golf and hiking trails - a true way to enjoy living the lake life!
Live every day like you’re on vacation, or make this your perfect vacation home near Lake Travis!

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THE NEIGHBORHOOD

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20900 Waterside, Lago Vista, TX 78645

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THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2002
Full baths: 2
Half baths: 1
Garage spaces: 1
Cooling: Ceiling Fan(s), Central Air
Heating: Central
Appliances: Dishwasher, Free-Standing Range, Stainless Steel Appliance(s)
Flooring: Carpet, Tile
Fencing: Back Yard, Gate, Privacy, Stone, Wood
Accessibility: None
Pool features: None
Subdivision: Waterside Oaks Condo Amd
Parcel: 01608804020000
HOA: Waterside Condos
HOA amenities: Common Area Maintenance
HOA fee frequency: Monthly
Elementary school: Lago Vista
Middle school: Lago Vista
High school: Lago Vista
Annual property tax: $6,784.84
HOA fee: $400.00

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$-76.53

Estimated monthly rent$1,229.17

Cap rate-0.06%

Annual operating income: $-180.81

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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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Considering this property as a rental? Start with the numbers, then talk through the day-to-day with a local management team.

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Make a strong first impression.
Bring together property preparation, professional marketing and applicant screening.
Stay connected to your investment.
Get support with rent collection, resident communication, maintenance coordination and owner reporting.

Get a local rental estimate Talk through your management needs

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

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20900 Waterside, Lago Vista, TX 78645 · MLS #ACT3729794

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Listing information

MLS #ACT3729794 · Austin Board of Realtors

Listing brokerage: Team Price Real Estate
Listing agent: Renee McCharen

Listing status: Active. Record updated June 19, 2026. Confirm current availability and price with the listing agent.