304 Cottonwood Drive

Harker Heights, TX 76548

$310,000

4 beds
2 baths
2,210 sq ft
0.3 acres
Built 1977

Listed by ERA Brokers Consolidated · MLS #618676

Listing status & updates

MLS last changed: Not supplied by this listing source
Availability last checked: No per-listing check is recorded

Source changes and availability checks are different. A website import or photo check does not confirm that a property is still available. Confirm availability with the listing agent. Ask about the listing status

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304 Cottonwood Drive, Harker Heights, TX 76548 · MLS #618676

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A FEW THINGS TO NOTICE

What stands out.

Living spaces

The generous sized family room has a wood burning fireplace.

Year built

Built in 1977.

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.

Discover the perfect blend of comfort, style and convenience in this expansive two-story home, ideally situated in a prime Harker Heights location. Nestled among established, mature trees, this property offers a serene escape while keeping you just moments away from premier local shopping, dining and the neighborhood golf course. The heart of the home features a large central island ideal for meal preparation and casual dining. With double ovens and an abundance of cabinetry, this kitchen is designed to satisfy the needs of any home chef, providing ample storage and prep space. The generous sized family room has a wood burning fireplace. With 4 generously sized, there is plenty of room for family and guests. Whether you are looking to entertain or unwind, the backyard features a charming gazebo for quiet mornings with a playscape making the backyard a perfect environment for active play. With a new roof installed June 2026 and new upstairs AC installed April 2026 this home is ready for its new owners!!

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Get to know Heather

THE PERSON BEHIND THE PROPERTY

Your listing agent · Harker Heights

Meet Heather Cortez.

Heather and Jack are a father daughter team that have been attending to real estate needs in Central Texas for the past 31+ years. They offer expertise in residential and commercial real estate.

From Heather’s agent introduction

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THE NEIGHBORHOOD

Explore the location.

304 Cottonwood Drive, Harker Heights, TX 76548

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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$278,228Up 0.7% vs. the previous 12 months

Months of supply6.012-month average

Days on market11212-month weighted average

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

Explore the full market report

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: 1977
Full baths: 2
Half baths: 0
Garage spaces: 2
Cooling: Electric,TwoUnits
Heating: Electric,Fireplaces,MultipleHeatingUnits
Appliances: DoubleOven,Dishwasher,ElectricCooktop,Refrigerator,WaterHeater,SomeElectricAppliances,BuiltInOven,Cooktop,Microwave
Flooring: Carpet,Vinyl
Utilities: CableAvailable,ElectricityAvailable,HighSpeedInternetAvailable
Exterior: RainGutters
Fencing: BackYard,Wood
Pool features: None
Spa: No
Subdivision: Highland Oaks Estates Sec
Parcel: 42291

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

Investor outlook Rental potential, ownership costs and property management

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$1,291.67

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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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

A team for what comes next.

Put your investment outlook into practice. Team ERA can help you confirm local rental potential and plan for the day-to-day of ownership.

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.

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

LOCAL PEOPLE. SHARED COMMITMENT.

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.

Meet ERA Property Management

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.

Listing information

MLS #618676 · Central Texas MLS

Listing brokerage: ERA Brokers Consolidated
Listing agent: Heather Cortez

Listing status: Active. MLS last changed: not supplied. Availability last checked: not recorded. Confirm current availability and price with the listing agent.