104 Smugglers

Horseshoe Bay, TX 78657

$999,000

4 beds
3 baths
3,160 sq ft
0.58 acres
Built 2019

Listed by eXp Realty LLC · MLS #ACT3420939

104 Smugglers, Horseshoe Bay, TX 78657 — photo 1

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A FEW THINGS TO NOTICE

What stands out.

Details worth a look

The open-concept living area features a gas fireplace with custom built-ins and seamless access to a covered back patio through expansive sliding doors, creating the perfect setting to relax and take in the peaceful golf course views.

Year built

Built in 2019.

Garage parking

2 garage spaces listed.

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

THE PROPERTY

Get to know the property.

Experience elevated golf course living in this exceptional 4-bedroom, 3-bath home overlooking the 2nd hole of Ram Rock Golf Course in Horseshoe Bay. With 3,160 square feet of thoughtfully designed space, this residence perfectly blends luxury, comfort, and everyday functionality. The open-concept living area features a gas fireplace with custom built-ins and seamless access to a covered back patio through expansive sliding doors, creating the perfect setting to relax and take in the peaceful golf course views.
The chef’s kitchen is beautifully appointed with quartz countertops, tile backsplash, a 5-burner gas range, spacious walk-in pantry, and both formal and casual dining spaces designed for entertaining and everyday living.
The main-floor primary suite serves as a private retreat with French doors leading to the patio, dual walk-in closets with custom built-ins, and a spa-inspired bath featuring dual quartz vanities, a soaking tub, and walk-in shower. A secondary bedroom and full bath on the main level offer ideal accommodations for guests. Upstairs, you’ll find two additional bedrooms, a full bath, and a versatile landing area perfect for a home office, fitness space, or media area.
Additional highlights include a stone and stucco exterior, full gutters, electric shades, abundant built-in storage, and a well-equipped laundry room with a wine fridge and utility sink. From the thoughtfully designed interior to the serene golf course backdrop, this home delivers the perfect blend of luxury Hill Country living and resort-style comfort.

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THE NEIGHBORHOOD

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104 Smugglers, Horseshoe Bay, TX 78657

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THE DETAILS

The details, all in one place.

Property type: Residential
Category: Residential
Year built: 2019
Full baths: 3
Half baths: 0
Garage spaces: 2
Cooling: Ceiling Fan(s), Central Air
Heating: Central, Electric
Appliances: Built-In Gas Oven, Cooktop, Dishwasher, Disposal, Gas Cooktop, Microwave, Oven, RNGHD, Refrigerator, Stainless Steel Appliance(s), Wine Refrigerator
Flooring: Carpet, Tile
Fencing: None
Accessibility: None
Pool features: None
Subdivision: Horseshoe Bay West
Parcel: 107250W050930
HOA: Horseshoe Bay POA
HOA amenities: Common Area Maintenance
HOA fee frequency: Annually
Elementary school: Packsaddle
Middle school: Llano
High school: Llano
Annual property tax: $12,114.60
HOA fee: $866.52

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$1,931.68

Estimated monthly rent$4,162.50

Cap rate2.57%

Annual operating income: $25,677.68

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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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Get support with rent collection, resident communication, maintenance coordination and owner reporting.

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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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104 Smugglers, Horseshoe Bay, TX 78657 · MLS #ACT3420939

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Listing information

MLS #ACT3420939 · Austin Board of Realtors

Listing brokerage: eXp Realty LLC
Listing agent: Valerie Kelly

Listing status: Active. Record updated August 23, 2026. Confirm current availability and price with the listing agent.