123 White Dunes

San Marcos, TX 78656

$394,999

5 beds
4 baths
2,788 sq ft
0.16 acres
Built 2022

Listed by Real Broker, LLC · MLS #ACT4274755

123 White Dunes, San Marcos, TX 78656 — photo 1

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A FEW THINGS TO NOTICE

What stands out.

Year built

Built in 2022.

Garage parking

2 garage spaces listed.

Property size

0.16 acres listed.

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

THE PROPERTY

Get to know the property.

13 Min to Texas State University | 30 Min to Austin Airport | San Marcos Area | Modern 5-Bedroom Home Under $400K!

Get everything Austin offers — without the Austin price tag! This brand-new, modern 5-bedroom, 4-bathroom home puts you in the heart of Central Texas, perfectly positioned for work, school, and life.

Built in 2022, this spacious 2,788 sq. ft. residence features a bright, open-concept layout with a sleek modern kitchen, generous living spaces, and a private downstairs primary suite. Four additional upstairs bedrooms offer all the flexibility you need — home office, gym, guest room, or more. Covered front and back patios bring the Texas outdoors in.

Austin accessibility. Hill Country pricing. Modern, spacious living.

* ZERO DOWN POSSIBLE: USDA loan / 100% financing programs available for qualified buyers
* MODERN & SPACIOUS: 5 Beds | 4 Baths | 2,788 Sq. Ft. | Built 2022
* UNBEATABLE LOCATION: San Marcos Area | 30 Min to AUS Airport | 13 Min to TXST

Priced at $384,900. Schedule your private tour today!

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THE NEIGHBORHOOD

Explore the location.

123 White Dunes, San Marcos, TX 78656

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THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2022
Full baths: 3
Half baths: 1
Garage spaces: 2
Cooling: Central Air
Heating: Central
Appliances: Built-In Gas Range, Dishwasher, Gas Range, Microwave, Gas Oven
Flooring: Carpet, Tile, Vinyl
Fencing: Back Yard
Accessibility: None
Pool features: None
Subdivision: Hymeadow
Parcel: 123 White Dunes Drive San Marcos, TX 78656
HOA: Hymeadow Residential Community, Inc.
HOA amenities: Common Area Maintenance
HOA fee frequency: Quarterly
Elementary school: Hemphill
Middle school: D J Red Simon
High school: Lehman
Annual property tax: $7,685.60
HOA fee: $104.00

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$515.40

Estimated monthly rent$1,645.83

Cap rate1.82%

Annual operating income: $7,172.33

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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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Have a plan for what follows.

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

Understand the opportunity.
Review rental pricing, property condition and your ownership goals with a local professional.
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

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A team behind your next step.

From your first question to the everyday work of ownership, a conversation with the right person makes a difference.

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Residential management in Utah, Nevada and Texas. Service availability and rental eligibility must be confirmed for each property. Commercial and association services are available through our management services page.

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123 White Dunes, San Marcos, TX 78656 · MLS #ACT4274755

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Listing information

MLS #ACT4274755 · Austin Board of Realtors

Listing brokerage: Real Broker, LLC
Listing agent: LEAH Yang

Listing status: Active. Record updated July 8, 2026. Confirm current availability and price with the listing agent.