ActiveResidential · sale

20406 WHITEROCK

Lago Vista, TX 78645

$519,000

  • 4 beds
  • 2 baths
  • 1,925 sq ft
  • 0.26 acres
  • Built 1999

Listed by Starlit Properties · MLS #ACT3582652

20406 WHITEROCK, Lago Vista, TX 78645 — photo 1 View full photo
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A FEW THINGS TO NOTICE

What stands out.

Living spaces

The inviting family room showcases a vaulted, beamed ceiling and stone fireplace, while the light-filled kitchen offers a center island and two dining areas.

Details worth a look

Outdoor living is exceptional with expansive covered and uncovered patios, including a massive covered back patio ideal for morning coffee, entertaining or watching the sunset.

Year built

Built in 1999.

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

THE PROPERTY

Get to know the property.

$10,000 Buyer Allowance + 2 Parcels Included! Enjoy the Lake Travis lifestyle from this spacious single-story stone home in desirable Lago Vista. Elevated for pleasant Hill Country, lake and golf course views, this well kept 4-bedroom, 2-bath home features generous room sizes, great closets and recent major improvements including roof, HVAC and grinder pump. The inviting family room showcases a vaulted, beamed ceiling and stone fireplace, while the light-filled kitchen offers a center island and two dining areas. The formal dining room also works beautifully as a home office or flex space. Outdoor living is exceptional with expansive covered and uncovered patios, including a massive covered back patio ideal for morning coffee, entertaining or watching the sunset. As a Dark Sky community, Lago Vista offers wonderful stargazing, plus Fourth of July fireworks visible from the deck. For those who love recreation, the side-entry garage and oversized additional parking area provide plenty of space for a boat, RV, truck and other recreational vehicles. The included approximately .30-acre view-protection parcel adds privacy and helps preserve the open views and setting behind the home. Beyond your doorstep, Lago Vista offers easy access to Lake Travis for boating, fishing, swimming and water recreation, plus parks, trails, golf, sports facilities, restaurants and shopping. Served by Lago Vista ISD and surrounded by the natural beauty of the Texas Hill Country, this is a place where you can slow down, get outside and truly enjoy the Lake Travis lifestyle—while still being within convenient reach of Austin. A rare opportunity to enjoy space, privacy, recreation and beautiful Hill Country surroundings, all in one exceptional property.
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THE NEIGHBORHOOD

Explore the location.

20406 WHITEROCK, Lago Vista, TX 78645

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THE DETAILS

The details, all in one place.

Property type
Residential
Category
Residential
Year built
1999
Full baths
2
Half baths
0
Garage spaces
2
Cooling
Ceiling Fan(s), Central Air
Heating
Central
Appliances
Dishwasher, Dryer, Electric Cooktop, Electric Range, Microwave, Oven, Refrigerator, Washer, Electric Water Heater
Flooring
Carpet, Laminate, Tile
Fencing
Partial
Accessibility
None
Pool features
None
Subdivision
Lago Vista Country Club Estate
Parcel
01688004060000
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
$7,710.60
HOA fee
$220.00

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$908.73
Estimated monthly rent$2,162.50
Cap rate2.35%

Annual operating income: $12,202.24

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Adjust assumptions
Purchase price
Rental income & operating costs

Purchase price × 5% ÷ 12. Updates with purchase price until you enter a custom rent.

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.

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

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

See its potential.
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.

  1. Understand the opportunity.

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

  2. Make a strong first impression.

    Bring together property preparation, professional marketing and applicant screening.

  3. Stay connected to your investment.

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

Get a local rental estimateTalk through your management needs
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.

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20406 WHITEROCK, Lago Vista, TX 78645 · MLS #ACT3582652

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Property inquiries go to help@erabrokers.com.

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Listing information

MLS #ACT3582652 · Austin Board of Realtors

Listing brokerage: Starlit Properties
Listing agent: Jacki Duncan

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