Active Listing  ·  10 days on market

200 Montego St

Hutto, TX 78634
$379,900
5 Bed 3 Bath 3,055 sqft $124/sqft Built 2023 0.11 acres 2-Car Garage Pool COTTONWOOD CREEK

The solar panels are paid off at closing. The next owner takes the system free and clear — no lease, no loan assumption, no monthly payment.

Five-bedroom, 2.5-bathroom two-story home built in 2023 with 3,055 square feet on a premium lot in Cottonwood Creek, Hutto, Texas. The home faces the HOA-owned neighborhood park across the street — open green space in front instead of another rooftop. Behind it, the backyard backs to a utility easement rather than a neighboring fence line, making it a semi-private yard. Hutto ISD.

That lot placement is the difference. New construction in Cottonwood Creek can't reproduce it — the park-front position and the easement buffer are fixed features of this lot, and pairing them with 3,055 square feet is not something a buyer can order from a builder here.

The main level includes a private home office and the primary suite with a walk-in closet, soaking tub, and separate walk-in shower. The open-concept kitchen, dining, and living area connects to a walk-in pantry and a dedicated laundry room. A large under-stair storage closet handles the overflow most floor plans this size don't account for.

Upstairs, four secondary bedrooms surround a large flex space that works as a game room, media room, home gym, playroom, or second living area.

Owned solar panels offset most of the monthly electric costs. Cottonwood Creek amenities include two swimming pools, the park across the street, a playground, and sidewalk-lined streets for walking and biking.

Minutes from US-79 and SH-130, with direct access to Round Rock, Taylor, Georgetown, Pflugerville, and Austin. Historic Downtown Hutto and the Hutto Co-Op District offer locally owned restaurants, shops, and live events nearby.

Five bedrooms, an office, a flex room, owned solar, and a premium park-front lot in Cottonwood Creek — Hutto, TX 78634.

At $124/sqft, this home is 34% below the Hutto active market average of $188/sqft, potentially representing value relative to comparable properties currently on the market. View Austin market report →

Location

200 Montego St, Hutto, TX 78634

Property Details

Price $379,900
Status Active Listing
Beds 5
Full Baths 2
Half Baths 1
Living Area 3,055 sqft
Lot Size 0.11 acres (4,791.6 sqft)
Year Built 2023
Garage 2 spaces
Stories ,
Type Residential · Single Family Residence
Subdivision COTTONWOOD CREEK
County Williamson
Zip Code 78634
$/sqft $124/sqft
Days on Market ,
HOA $65/Quarterly
Annual Tax Est. $8,635.43
Pool Yes
Waterfront ,
New Construction ,
MLS # ACT243209761
List Date August 13, 2026
Elementary School Cottonwood Creek
Middle School Farley
High School Hutto
School District ,

Luke Allen (TREC #788149) has deep knowledge of Hutto and surrounding markets. Whether you're buying, selling, or just researching comparable sales, reach out for a no-pressure conversation.

Schedule a Call →

Similar Homes on the Market in Hutto

Comparable Listings Right Now

Homes currently for sale in Hutto with similar bedroom count, size, and price range, giving you real-time context for how this property's asking price compares to the active market.

AddressList Price$/sqftBeds/BathsSqftDOMListed
506 Windy Reed Rd
Cross Creek
$385,000 $142 4 bd / 3 ba 2,708 sqft , 2026-05-18
147 Brabham Loop
Cotton Brook
$387,500 $173 4 bd / 3 ba 2,242 sqft , 2026-08-04
127 Brabham Loop
Cotton Brook
$390,000 $174 4 bd / 3 ba 2,242 sqft , 2026-05-26
524 Sebring Cir
Cotton Brook
$369,190 $157 4 bd / 3 ba 2,356 sqft , 2026-02-13
413 Windy Reed Rd
Cross Creek
$369,000 $167 4 bd / 3 ba 2,215 sqft , 2026-08-20

Source: ACTRIS MLS, live listings. Similar by ±1 bed, ±35% price, ±35% sqft. Contact Luke for a formal comparative market analysis.

Investment Analysis

Rental Income Potential

The numbers below use conservative Austin-market assumptions. They are estimates, not a guarantee. Actual rents vary by condition, timing, and management. Read our full Austin rental property guide →

Est. Monthly Rent
$1,824/mo
0.48% rule · conservative Austin est.
Gross Yield
5.76%
Annual rent ÷ purchase price
Cap Rate (est.)
3.46%
NOI after 40% vacancy + expenses
Down Payment
$75,980
20% conventional investment loan

Monthly Cash Flow Breakdown (20% down · 7.25% rate)

Estimated Gross Rent+$1,824
Principal + Interest−$2,073
Property Tax (~2.1% TX avg)−$665
Insurance (~0.5%)−$158
Est. Monthly Cash Flow $-1,072

At current rates and prices, many Austin luxury properties run neutral or slightly negative on pure cash flow, appreciation and equity paydown are the primary return drivers. BRRRR and off-market acquisitions can improve day-one cash flow. Learn about the BRRRR method in Austin →

Commute & Employment

Major Employers Near Hutto, TX

Hutto sits within commuting range of Austin's major tech, manufacturing, and corporate campuses. Approximate drive times from this area:

Tesla Gigafactory 15-25 min E
Apple Campus (Domain) 20-30 min N
Google / Meta / Indeed 10-15 min downtown
Dell Medical School / UT Austin 10-20 min
Samsung Austin Semiconductor 25 min N

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About the Author
Luke Allen, Austin TX Realtor, TREC #788149
Luke Allen
Licensed Austin TX Realtor · TREC #788149 · Full-time since 2019
★★★★★ 5.0 on Google · 30 Reviews

Luke Allen is a full-time Austin TX Realtor with the Austin Marketing + Development Group brokerage. He works with buyers, sellers, and investors across every Austin ISD and the surrounding neighborhoods, from Downtown and East Austin to Round Rock, Cedar Park, and the Hill Country. Every page on this site is written and maintained by Luke. This page was last updated on August 14, 2026.

📞 (254) 718-2567 [email protected] More about Luke →