Selected for the Terner Labs Housing Venture Lab

659 Fox Ln, Lockhart, TX 78644

Active
Listed 36 days ago
Owner-Occupant Eligible
$699,995

About $3,835 a month to live here, after the rent from the other home.

House + ADU1,416 sqft3 beds2 bathsListed Oct 7, 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

$3,835a month

The second home on the lot rents for $800. We hold back $132 of that for repairs and an empty month, and the rest goes toward a $4,503 monthly payment.

Income to qualify: about $118,000 a year

With how much down?

At 20% down ($139,999) 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.

$21,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Welcome to your private oasis tucked behind a secure gate. Just in time for hunting, 17.5 acres with dear rises and feeders. Tranquil country surroundings, imagine your mornings on an enclosed cozy semi wraparound porch, sipping coffee while sunlight filters through trees. This home blends modern comfort with warm hospitality. Spacious 3BD/2BA floor plan with 1,416 sq ft of comfortable living space. Open-concept living area flows into a dining space and the fully equipped kitchen. The stunning semi wrap-around covered front porch... perfect for porch swings, rocking chairs, and outdoor living & dining. You'll appreciate the quiet freedom of country living, no HOA here. The beautifully updated interior features a bright and spacious open floor plan for the living room, kitchen, and dining area with porcelain wood-look tile floors, soaring vaulted ceilings, recessed lighting, and stylish modern fixtures. The kitchen is a chef’s delight with timelessly elegant cabinetry, sleek quartz countertops, and built-in SS appliances. The spacious primary room with an ensuite bathroom is welcoming and spacious, featuring a generous closet space, a work nook, and a door to the back porch, perfect for quiet moments. Purified water osmosis is at the kitchen, tankless water heater, well water and water softener. Creating private trails, gardening, or even raising livestock. In addition to the main residence, there are two detached garages, one of which is 25’ deep x 24’ wide and will accommodate a 20’ trailer. There is also a unique detached schoolhouse, complete with electricity. This versatile space can be transformed into a tiny home, art studio, workshop, or a home office. Ideally located just minutes from well-known HEB grocery store, historic downtown shopping, world-renowned BBQ eateries and Lockhart State Park. Local medical facilities and community amenities. Military persons will be able to assume the 2.25% loan for APPROXIMATELY 50% of the loan. Agg exempt applies.

House + ADU

Property Type

762,605 sqft

Lot Size

1997

Year Built

Listing Date: 10/07/2026

Listed by: Andrea Taylor-Morton

Listing office: UCAN LLC

Contact: (512) 970-6855

Source: Unlock MLS #ACT3865129

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%
$699,995

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$699,995
Your Down Payment$139,999
Financed$559,996
Estimated Monthly Payment$4,503

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 ($139,999) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,503/month
Principal + Interest
$3,357
Property Taxes
$933
Home Insurance
$213
Rental Income (1 Unit)
$800/month

From the listing description.

Rental Expenses
-$132
Cost to live here
$3,835/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# ACT3865129 · Listing office: UCAN LLC

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.