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
2520 Hwy 304, Smithville, TX 78957
Active
Listed 2 days agoOwner-Occupant Eligible
About $6,535 a month to live here, after the rent from the other home.
House + ADU7,200 sqft6 beds6 bathsListed Nov 13, 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
$6,535a month
The second home on the lot rents for $902. We hold back $162 of that for repairs and an empty month, and the rest goes toward a $7,275 monthly payment.
Income to qualify: about $195,000 a year
With how much down?
At 20% down ($197,000) 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 $129,000 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.
$29,550 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
It offers a unique blend of residential and commercial possibilities in Bastrop County, Central Texas. * No restrictions * Opportunity Zone designation. This listing includes the house and 14.75 acres **Residential Compound:** A 7,300 sq. ft. residential compound featuring a swimming pool, tennis court, and a 9-car garage. * **Natural Amenities:*, tree-lined driveways, and a 780-foot deep sweet-water well with a new pump. * **Equestrian Friendly:** Equipped with a 4 board horse fence. * **Main House:** This is attached to the guest apartment. * **Guest House:** Also referred to as the casita. * **Main House Garage:** A three-car garage. * **Detached Garage:** This is a six-car garage that includes a huge pool table and spare storage. * **Pole Barn:** I'm estimating this can fit 6 to 8 vehicles. * **Pump House:** * **Pool House:** This includes a kitchenette, shower, and toilet. * **Pump House Shop:* This price includes the house and 14.75 acres all of the above, property needs some TLC* See attached surveys that shows the land and house. NOW FOR ADDITIONAL COST the front left side land is an additional 15+ acres,. SOLD SEPARATELY, * Includes a one-acre stock pond and the **Commercial Flex Facility plus 10 acres: ALSO SOLD SEPARATELY see MLS # 7717746 ** A 40,000 sq. ft. climate-controlled showroom with 10 acres, office, and distribution center, with ample room for future development. * Ready to make a deal on the entire complex.
House + ADU
Property Type
642,510 sqft
Lot Size
1968
Year Built
Listing Date: 11/13/2026
Listed by: John Mangione
Listing office: Austin Choice Homes
Contact: (512) 577-1909
Source: Unlock MLS #ACT9517591
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%
$985,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$985,000
Your Down Payment$197,000
Financed$788,000
Estimated Monthly Payment$7,275
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 ($197,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$7,275/month
Principal + Interest
$4,724Property Taxes
$1,361Home Insurance
$1,190Rental Income (1 Unit)
$902/month
From the listing description.
Rental Expenses
-$162Cost to live hereCost to live here, after rent
$6,535/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.
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MLS# ACT9517591 · Listing office: Austin Choice Homes
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.
