Active Listing  ·  5 days on market

3405 Congress Ave

Lago Vista, TX 78645
$675,000
4 Bed 3 Bath 2,585 sqft $261/sqft Built 2022 0.22 acres 2-Car Garage Pool Highland Lake Estates Sec 05

Welcome home to 3405 Congress! Featuring a dramatic floating staircase, expansive windows, striking atrium, rooftop deck, two wine/beverage refrigerators, loft, four bedrooms, and a downstairs flex room, this distinctive home offers exceptional design and indoor-outdoor living.

The open kitchen features upgraded leathered countertops, a walk-in pantry, and butler’s pantry. It flows into the great room with fireplace and connects to a downstairs flex room ideal for dining, an office, or additional living space. The atrium offers a unique retreat with possibilities for a wine room, sitting area, or quiet escape.

The primary suite includes dual vanities, soaking tub, and spacious walk-in closet with direct laundry access. Upstairs are three additional bedrooms, loft with wet bar including glass-front cabinetry and beverage refrigerator.

The rooftop deck above the garage is ideal for entertaining and enjoying sunset views, while the covered patio with fireplace and stained wood ceiling extends the living space outdoors.

Just minutes from the nearest boat dock and a short drive to Austin, this home offers a unique combination of architectural style, versatile spaces, and convenient Lake Travis living.

Lago Vista Property Owners Association (LVPOA) membership provides eligible owners access to exclusive private amenities including waterfront parks, lake access, pools, tennis and pickleball courts, fitness facilities, campgrounds, boat ramps, marinas and docks, playgrounds, sports fields, and recreational areas throughout Lago Vista. Also, Lago Vista Golf Course is a full service 18 hole golf course right in your neighborhood.

A discounted rate and no lender fee future refinancing may be available for qualified buyers purchasing this home and using an affiliate of Orchard Brokerage, LLC. Restrictions apply; consult the Listing Agent for details. Buyer and buyer's agent should verify all listing information, including schools, taxes, HOA, room dimensions and square footage

At $261/sqft, this home is priced in line with the Lago Vista market average of $257/sqft across 225 active listings. View Austin market report →

Location

3405 Congress Ave, Lago Vista, TX 78645

Property Details

Price $675,000
Status Active Listing
Beds 4
Full Baths 2
Half Baths 1
Living Area 2,585 sqft
Lot Size 0.22 acres (9,757.44 sqft)
Year Built 2022
Garage 2 spaces
Stories ,
Type Residential · Single Family Residence
Subdivision Highland Lake Estates Sec 05
County Travis
Zip Code 78645
$/sqft $261/sqft
Days on Market ,
HOA $240/Annually
Annual Tax Est. $9,034.96
Pool Yes
Waterfront ,
New Construction ,
MLS # ACT246871896
List Date September 18, 2026
Elementary School Lago Vista
Middle School Lago Vista
High School Lago Vista
School District ,

Luke Allen (TREC #788149) has deep knowledge of Lago Vista 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 Lago Vista

Comparable Listings Right Now

Homes currently for sale in Lago Vista 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
19818 Colina Dr
COOK
$699,999 $345 4 bd / 3 ba 2,028 sqft , 2026-03-18
20913 Nimitz Ave
Greens Of Lake Travis Resub
$650,000 $304 4 bd / 4 ba 2,138 sqft , 2026-08-05
20923 Oak Dale Dr
Country Club Estates Sec 09
$649,000 $270 4 bd / 3 ba 2,404 sqft , 2026-08-27
19908 Victoria Chase Rd
Porticos
$639,950 $307 3 bd / 3 ba 2,082 sqft , 2026-03-26
20901 Oak Dale Dr
Country Club Estates Sec 09
$639,000 $279 3 bd / 3 ba 2,291 sqft , 2026-08-31

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
$3,240/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
$135,000
20% conventional investment loan

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

Estimated Gross Rent+$3,240
Principal + Interest−$3,684
Property Tax (~2.1% TX avg)−$1,181
Insurance (~0.5%)−$281
Est. Monthly Cash Flow $-1,906

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 Lago Vista, TX

Lago Vista 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 September 19, 2026.

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