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$1,025,000

For Sale - Active
111 Saddle Rdg, Spring Branch, TX 78070
4 Beds
5 Baths
4,907 Square Feet
0.00 Acres Lot
Built in 2005
For Sale - Active
Units n/a
Checked: 3 hours ago
Updated: Jun 11, 2025 at 03:21AM

Investment Summary


Monthly Cash Flow
-$2,835
Cap Rate
3.0%
Cash-on-Cash Return
-14.4%
Debt Coverage Ratio
0.47
Internal Rate of Return (5 years)
-10.0%

Property Description


0.00 Acres Lot
Built in 2005
For Sale - Active
Units n/a

Experience the serenity and luxury of this exceptional 4-bedroom, 4.5-bathroom home in the highly desirable River Crossing subdivision. Spanning 4,907 sq ft, this beautiful residence is designed to offer both comfort and elegance, with soaring ceilings, expansive windows, and stunning stone accents, both inside and out. A grand double-door entry opens to the spacious interior, featuring beautiful wood flooring in the living room and a stunning ceiling-high wood-burning fireplace, creating a warm and inviting ambiance with an open-concept floor plan. The primary suite is conveniently located downstairs, offering a spa-like ensuite with double vanities, a large soaking tub, a separate walk-in shower, and dual walk-in closets. Upstairs, you'll find three spacious bedrooms, two of which showcase tall, beautifully accented wood ceilings and a flex room perfect for a game room, media room, or home office. The wet bar area is also located on the second floor offering additional convenience. The chef's kitchen is a culinary dream, complete with gas cooking, a large island, custom cabinetry, and plenty of counter space for meal prep. Two eating areas provide ample space for dining and entertaining. Step outside to the covered patio or front porch overlooking the one-acre fenced lot with mature trees and gated access, providing privacy and security. Additional features include a separate utility room, hidden storage under the staircase, and an attached two-car garage. Located in the sought-after Smithson Valley High School district, this home is a true Hill Country gem, offering a perfect blend of peaceful living and luxurious amenities.

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Location


Property Details


Parking

  • Description: Two Car Garage, Attached, Side Entry, Oversized
  • Details: Garage Door Opener, Circular Driveway, Attached
  • Garage Spaces: 2
  • Spaces Total: 0

Bedroom Information

  • # of Bedrooms: 4

Bathroom Information

  • # of Baths (Full): 4
  • # of Baths (Partial): 1
  • # of Baths (Total): 5.0

Interior Features

  • # of Stories: 2
  • Fireplace: Yes

Exterior Features

  • Exterior Walls Materials: Rock, Stone
  • Foundation: Slab
  • Roof Type: Hip
  • Roof Material: Metal

HOA

  • Has HOA: Yes
  • Association: RIVER CROSSING POA
  • HOA Fee: $300/annually

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: 450712009800
  • Lot Size: 0 sqft

Property Information

  • Property Type: Single Family Residence
  • Style: Two Story, Texas Hill Country
  • Year Built: 2005

Tax Information

  • Annual Tax: $15,612

Utilities

  • Heating: Central, Propane
  • Cooling: Ceiling Fan(s), Central Air

Location

  • County: Comal

Listing Details


Listed by:
Polo Gutierrez
Phyllis Browning Company
(210) 464-4521

Source:
San Antonio Board of REALTORS
MLS#: 1844195
San Antonio Board of REALTORS

Investment Summary


Monthly Cash Flow
-$2,835
Cap Rate
3.0%
Cash-on-Cash Return
-14.4%
Debt Coverage Ratio
0.47
Internal Rate of Return (5 years)
-10.0%

Purchase Details

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Purchase price:
$1,025,000
Amount financed:
-$820,000
Down payment:
$205,000
Closing costs:
$30,750
Rehab costs:
$0
Initial cash invested:
$235,750
Square feet:
4,907
Cost per square foot:
$209
Monthly rent per square foot:
$1.14

Financing Details

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Loan amount:
$820,000
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
6.850%
Principal & interest:
$5,373
Property tax:
$1,301
Insurance:
$392
Private mortgage insurance (PMI):
$0
Monthly payment:
$7,066

Operating Income

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% Rent Monthly Yearly
Gross rent:
$5,600 $67,200
Vacancy loss: (6%)
6% -$336 -$4,032
Operating income:
$5,264 $63,168

Operating Expenses


% Rent Monthly Yearly
Property taxes: (23%)
23%-$1,301-$15,612
Insurance: (7%)
7%-$392-$4,704
Property management: (8%)
8%-$448-$5,376
Repairs & maintenance: (5%)
5%-$280-$3,360
Capital expenditures: (5%)
5%-$280-$3,360
HOA fees: (0%)
0%-$25-$300
Total operating expenses: (49%)
49%-$2,726-$32,712

Cash Flow


Monthly Yearly
Net operating income:
$2,538 $30,456
Mortgage payments:
-$5,373 -$64,476
Cash flow:
$2,835 $34,020