21414 Santa Carlo

Lago Vista, TX 78645

$515,000

2,583 sq ft
0.35 acres
Built 2018

Listed by eXp Realty, LLC · MLS #ACT6772417

21414 Santa Carlo, Lago Vista, TX 78645 — photo 1

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A FEW THINGS TO NOTICE

What stands out.

Year built

Built in 2018.

Garage parking

4 garage spaces listed.

Property size

0.35 acres listed.

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

THE PROPERTY

Get to know the property.

Exceptional income-producing duplex in the heart of Lago Vista! Situated on a massive .35-acre corner lot, this 2018-built, single-story duplex offers 2,583 sq. ft., 6 bedrooms, 4 bathrooms, and 4 garage spaces—all with durable wood-look tile flooring and no carpet. Granite countertops, stainless steel appliances, and energy-efficient features make this a stylish, low-maintenance property for both owners and tenants.

This duplex is already producing $3,470 per month in rental income, providing immediate cash flow from day one. And with the City of Lago Vista permitting short-term rentals, including Airbnb subject to local regulations, investors have the flexibility to continue long-term leasing, explore vacation rentals, or potentially create a combination of both. 100% Financing is available - call for details!

Enjoy access to an incredible community with 10 parks, playgrounds, nature parks and hiking trails, The Fishing Well, 6 boat ramps, a swimming pool, fitness centers, tennis courts, basketball courts, disc golf, sports fields, and beautiful Lake Travis and Hill Country views. Lago Vista offers something to do for every lifestyle—from boating and fishing to hiking, swimming, sports, and simply enjoying the outdoors.

Located near the North Shore of Lake Travis, this property combines strong existing income, short-term rental flexibility, an oversized corner lot, and an unbeatable recreation-focused location. Energy Efficient finishes include Blown in Blanket Insulation (BIBS) and ZIP Board exterior and roof sheathing to seal the envelope.

Whether you’re expanding your investment portfolio, looking for a flexible income-producing property, or want to capitalize on the demand for Lake Travis-area rentals, 21414 Santa Carlo delivers immediate income and tremendous upside in one of Central Texas’ most recreation-rich communities.

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THE NEIGHBORHOOD

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21414 Santa Carlo, Lago Vista, TX 78645

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THE DETAILS

The details, all in one place.

Property type: Residential Income
Category: Residential
Year built: 2018
Garage spaces: 4
Cooling: Central Air
Heating: Heat Pump
Appliances: Dishwasher, Electric Range, Microwave
Flooring: Tile
Fencing: Partial, Wood
Accessibility: None
Pool features: None
Subdivision: Highland Lk Ests Sec 25
Parcel: 016490243150000
HOA: Lago Vista POA
HOA amenities: Common Area Maintenance
HOA fee frequency: Annually
Elementary school: Lago Vista
Middle school: Lago Vista
High school: Lago Vista
Annual property tax: $12,237.80
HOA fee: $200.00

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$520.22

Estimated monthly rent$2,145.83

Cap rate1.46%

Annual operating income: $7,530.13

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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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Stay connected to your investment.
Get support with rent collection, resident communication, maintenance coordination and owner reporting.

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21414 Santa Carlo, Lago Vista, TX 78645 · MLS #ACT6772417

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Listing information

MLS #ACT6772417 · Austin Board of Realtors

Listing brokerage: eXp Realty, LLC
Listing agent: Nicky Popov

Listing status: Active. Record updated August 29, 2026. Confirm current availability and price with the listing agent.