Selected for the Terner Labs Housing Venture Lab

143 Oak Ln, Johnson City, TX 78636

Active
Listed 108 days ago
Owner-Occupant Eligible
$695,000

About $3,526 a month to live here, after the rent from the other home.

House + ADU2,629 sqft3 beds2 bathsListed Jul 27, 2026

A house with a second home on the lot. Live in one and rent out the other. How it works

Live here for about

$3,526a month

The second home on the lot rents for $1,000. We hold back $165 of that for repairs and an empty month, and the rest goes toward a $4,361 monthly payment.

Income to qualify: about $113,000 a year

With how much down?

At 20% down ($139,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $91,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

The cost to live here is the loan payment, taxes, insurance and any dues, less the rent, with a little held back for repairs and an empty month. Income to qualify uses a 43% debt-to-income limit, counts 75% of the rent, and none of your other debts.

$20,850 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Tucked away on five private acres in the Pedernales Subdivision, this property offers privacy, stunning Hill Country views, & community river access just moments from a shared park on the Pedernales River. Inside, the living room features high ceilings, a striking stone accent wall, & a wood-burning stove. Large windows fill the home w/ natural light & showcase sweeping views of the Pedernales River Valley. The open layout flows to an upper-level deck, creating the perfect place to enjoy the scenery. The updated kitchen offers white cabinetry, granite countertops, a navy tile backsplash, breakfast bar, & a bright dining nook surrounded by windows. The split-level main home offers 2,304 square feet w/ three bedrooms, two full baths, & a dedicated office. A separate 325-square-foot mother-in-law suite includes a fourth bedroom, full bath, kitchenette, & private patio, providing excellent space for guests, extended family, or rental income. Outside, you'll find a two-car garage, shop building w/ a garage bay & two covered parking spaces, metal RV carport, storage building, enclosed raised garden bed, & children's clubhouse. Water is supplied by a private well & a 13,850-gallon rainwater collection system, plus a separate tank dedicated to the garden. An active ag exemption through beekeeping is in place w/ two years remaining. Located just three miles from downtown Johnson City & within an hour of Austin & San Antonio, this property combines peaceful country living w/ convenient access to Hill Country wineries, restaurants, & shopping. Private, peaceful, & versatile, this property is ideal as a full-time residence, multi-generational home, vacation retreat, or investment opportunity. Schedule your showing today & experience everything this exceptional Hill Country property has to offer.

House + ADU

Property Type

217,800 sqft

Lot Size

1999

Year Built

Listing Date: 07/27/2026

Listed by: Tricia Keith

Listing office: Keller Williams Realty

Contact: (830) 330-0015

Source: Unlock MLS #ACT5540472

Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.

CHOOSE YOUR UNIT

Tap the one you would live in. The rest pay rent, and that rent comes off your monthly cost.

If someone lives in the unit you want, or a lease comes with the home, ask how moving in works on this one.

CHECK OUR MATHEvery line of the monthly cost is in here. Change the price or the down payment and watch it move.

OFFER PRICE

Change your offer and watch the monthly cost move.

Purchase Price

-15%
$695,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$695,000
Your Down Payment$139,000
Financed$556,000
Estimated Monthly Payment$4,361

Before rent: principal and interest at 6.0% on a 30-year fixed loan, taxes, insurance and any HOA dues. Your rate and down payment change this.

MONTHLY BREAKDOWN

Estimate at 20% down ($139,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,361/month
Principal + Interest
$3,334
Property Taxes
$632
Home Insurance
$395
Rental Income (1 Unit)
$1,000/month

From the listing description.

Rental Expenses
-$165
Cost to live here
$3,526/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

BEFORE YOU OFFER

Now run it on your paycheck.

This page is priced at one down payment and one rate. Send the address and we run it at yours: what you would pay each month after rent, and which loan works on this home.

Free. No credit pull.

Unlock MLS logo

MLS# ACT5540472 · Listing office: Keller Williams Realty

Based on information submitted to the MLS GRID as of 2026. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.