Active
2 units5 bd5 ba3,050 sqft
Cost to live here
$3,526/moafter $903/mo in rent
Income to qualify: about $111,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$599,900•House + ADU
402 Hudgins St, Smithville, TX 78957
306 Anderson St #A & B, Smithville, TX 78957
Active
Listed 98 days agoOwner-Occupant Eligible
About $1,075 a month to live here, after the rent from the other home.
Duplex2,408 sqft6 beds4 bathsListed Aug 6, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$1,075a month
The other home rents for $1,425. We hold back $214 of that for repairs and an empty month, and the rest goes toward a $2,286 monthly payment.
Income to qualify: about $51,000 a year
With how much down?
At 20% down ($65,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Get rich slow: keep this loan ten years and the payments pay off about $45,000 of it. See the ten-year math
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.
$11,375 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Two homes. One address. A smart investment either way. 306 Anderson sits at the end of a quiet cul-de-sac in Smithville — a two-story duplex offering 2,400 square feet across two mirrored units, each with 3 bedrooms, 2 baths, a garage, and a private fenced yard. That separation matters: these aren't cramped side-by-side apartments, they're two homes that happen to share a wall. One unit is leased and the other is on the market for lease, which means a buyer has options — sign a second tenant or move into one side and let the neighbor's rent handle a good chunk of the payment. The compact lot keeps maintenance low. The cul-de-sac keeps traffic away. And downtown Smithville, with its antique shops, cafés, and year-round events, is just minutes from your door. Rent roll and financials available upon request. Duplexes with this separation and setup rarely come available — schedule your showing today!
Duplex
Property Type
8,407 sqft
Lot Size
2008
Year Built
Listing Date: 08/06/2026
Listed by: Becca Davis
Listing office: Centum Oak Realty LLC
Contact: (512) 332-1808
Source: Unlock MLS #ACT5156477
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%
$325,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$325,000
Your Down Payment$65,000
Financed$260,000
Estimated Monthly Payment$2,286
Before rent: principal and interest at 5.6% 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 ($65,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Current Rent
Current Rent
Market Rent
Estimated Monthly Payment (Before Rental Income)
$2,286/month
Principal + Interest
$1,493Property Taxes
$431Home Insurance
$362Estimated Monthly Payment (Before Rental Income)
$2,286/month
Principal + Interest
$1,493Property Taxes
$431Home Insurance
$362$2,286/month
$1,493
$431
$362
Rental Income (1 Unit)
$1,425/month
From leases in place.
Rental Expenses
-$214Rental Income (1 Unit)
$1,425/month
From leases in place.
Rental Expenses
-$214$1,450/month
-$218
Cost to live hereCost to live here, after rent
$1,075/month
Cost to live hereCost to live here, after rent
$1,075/month
$1,054/month
Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.
LOCATION
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.
MLS# ACT5156477 · Listing office: Centum Oak Realty 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.
