1049 Velvet Ct

Troy, TX 76579

$212,000

3 beds
2 baths
1,297 sq ft
0.13 acres
Built 2022

Listed by All City Real Estate Ltd. Co · MLS #ACT9450828

1049 Velvet Ct, Troy, TX 76579 — photo 1

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1049 Velvet Ct, Troy, TX 76579 · MLS #ACT9450828

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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

0.13 acres listed.

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

THE PROPERTY

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This Is One of Troy's Best Values! Nearly new. Move-in ready. Priced to sell.

Tucked away on a quiet cul-de-sac, this 2022-built home offers the perfect combination of modern style, smart design, and exceptional value. Bright, open living spaces with abundant natural light create an inviting atmosphere that's perfect for everyday living and entertaining alike.

The thoughtfully designed split-bedroom floor plan provides added privacy, while the spacious primary suite features a beautifully appointed bath and generous walk-in closet. You'll also appreciate the energy-efficient features, updated lighting, and a fully fenced backyard with plenty of room to relax, play, or host family and friends.

Buyer Incentive: Qualified buyers can receive 1% toward closing costs OR a 1% interest rate buydown when using the preferred lender—making this opportunity even more affordable.

Conveniently located with quick access to I-35, you'll enjoy an easy commute to Temple, Belton, or Waco while coming home to the peace and privacy of a cul-de-sac.

Offered at just $212,000, this home is strategically priced for today's market and won't last long. If you've been waiting for an affordable, nearly new home with modern finishes and incredible value, this is the one. Schedule your showing today before it's gone!

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THE NEIGHBORHOOD

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1049 Velvet Ct, Troy, TX 76579

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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$278,347Up 0.8% vs. the previous 12 months

Months of supply5.912-month average

Days on market11212-month weighted average

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

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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: 2022
Full baths: 2
Half baths: 0
Garage spaces: 2
Cooling: Central Air
Heating: Central
Appliances: Cooktop, Dishwasher, Microwave
Flooring: Tile
Fencing: Privacy
Accessibility: See Remarks
Pool features: None
Subdivision: Cottonwood Creek
Parcel: 1049
HOA: Accent Real Estate
HOA amenities: See Remarks
HOA fee frequency: Monthly
Elementary school: Edna Bigham Mays
Middle school: Raymond Mays
High school: Troy
HOA fee: $20.00

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—

Estimated monthly rent$883.33

Cap rate—

Annual operating income: —

HOA: Includes $20.00 per month in HOA dues, converted from the $20.00 monthly fee reported by the listing source.

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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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Listing information

MLS #ACT9450828 · Austin Board of Realtors

Listing brokerage: All City Real Estate Ltd. Co
Listing agent: Lacy Brejcha

Listing status: Active. Record updated September 12, 2026. Confirm current availability and price with the listing agent.