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609 Stephen St, Kerrville, TX 78028

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For Sale

$249,500

3 beds • 1 baths • 1,036 sqft

Estimated Payment

$ 1,567 /mo. †

6.63% APR for 30 yrs.
$3,465 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $240.83
    Price per square foot

Explore this Property

Get ready to FALL IN LOVE! Completely refreshed from head-to-toe, this vintage cottage is bursting with charm and located just a stone's throw from the vibrant heart of downtown Kerrville. The perfect retreat for a weekend getaway, cozy full-time home, or lucrative rental property. Recent updates include new sheetrock, cabinetry, countertops, interior doors and hardware, baseboards, fixtures, fans, stainless appliances and refinished hardwood floors. No detail has been overlooked! Spacious back yard with cement patio offers huge potential for outdoor cantina or detached guest quarters (PLUS bonus, gated access from the street behind). Local amenities, including shopping, dining, and entertainment are only a short distance away. Adventure off to the nearby Guadalupe River and scenic parks to enjoy hiking, fishing, or picnicking. Fantastic opportunity for Airbnb with highly sought-after R1-A zoning (short term rentals allowed by right, with permit). Don't let this one slip through your fingers! Seller is offering up to an additional $5000 in buyer concessions (towards down payment or rate buy-down) with full price offer.
MLS# 96247

Listed By CENTURY 21 The Hills Realty

Property Features

  • Appliances
    Dishwasher, Garbage Disposal, Microwave
  • Cooling
    Central A/C - Electric, Central A/C
  • Exterior Description
    Wood Siding
  • Exterior Living Space
    Deck
  • Fencing
    Privacy Fence
  • Flooring
    Tile
  • Interior
    Walk-in Closet
  • Lot Size
    0.16 Acres
  • Roof
    Composition Shingle
  • Sewer
    Public
  • Style
    Other Style
  • Water
    Municipal Water

Map and Directions

Directions to 609 Stephen St, Kerrville, TX 78028

Home seller Meet the Agent,
Jennifer Wise

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Jennifer Wise

of CENTURY 21 The Hills Realty

(830) 377-0481
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,279
  • Property Taxes
    $288
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,567

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Starkey Elementary School

Grades KG-5 Public School

Kerrville, TX 78028 0.5 miles
1030 w main st

491 total students
15:1 Student teacher ratio

School Rating: D+

School Details

Hal Peterson Middle School

Grades 6-8 Public School

Kerrville, TX 78028 1.6 miles
1607 sidney baker st

1089 total students
16:1 Student teacher ratio

School Rating: C-

School Details

Tivy High School

Grades 9-12 Public School

Kerrville, TX 78028 3 miles
3250 loop 534

1412 total students
15:1 Student teacher ratio

School Rating: B-

School Details
Other Nearby Schools Distance Type Grades School Rating
Hill Country High School 1.3 miles Public 9-12 D+
Notre Dame Catholic School 1.4 miles Private PK-8
St Peter's Episcopal School 1.5 miles Private PK-KG
Kerrville Disciplinary Alternative School 1.6 miles Public 5-12
Early Childhood Center 1.6 miles Public PK
Talley Elementary School 1.6 miles Public KG-5 A-
Tom Daniels Elementary School 2.5 miles Public KG-5 B
Nimitz Elementary School 2.6 miles Public KG-5 B-
Ingram Elementary School 4.8 miles Public PK-5 A
Our Lady Of The Hills Reg Catholic High School 6 miles Private 9-12

Hill Country High School

Distance: 1.3 miles

Type Public

Grades: 9-12

D+

Notre Dame Catholic School

Distance: 1.4 miles

Type Private

Grades: PK-8

St Peter's Episcopal School

Distance: 1.5 miles

Type Private

Grades: PK-KG

Kerrville Disciplinary Alternative School

Distance: 1.6 miles

Type Public

Grades: 5-12

Early Childhood Center

Distance: 1.6 miles

Type Public

Grades: PK

Talley Elementary School

Distance: 1.6 miles

Type Public

Grades: KG-5

A-

Tom Daniels Elementary School

Distance: 2.5 miles

Type Public

Grades: KG-5

B

Nimitz Elementary School

Distance: 2.6 miles

Type Public

Grades: KG-5

B-

Ingram Elementary School

Distance: 4.8 miles

Type Public

Grades: PK-5

A

Our Lady Of The Hills Reg Catholic High School

Distance: 6 miles

Type Private

Grades: 9-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Kerrville, TX 78028

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Kerrville, TX 78028

This community’s employment is highest in the administrative support and food industries. The area’s overall household expenses are above the national average.

93° August
Hottest Average Month
33° January
Coldest Average Month
17,236 Total Households in Area
3% Increase in population since the year 2010
26.5%
of households
have children
17 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Kerrville, TX 78028

Kerrville, TX 78028 has a population of 39,789 people in 17,236 households with a median age of 46.3 years old.

3%
Increase in population
since the year 2010
Population is Trending up
16,237
Total households as of 2010
4.7%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 46.3 years old. The smallest percentage group is 65-74 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 73%
Hispanic 27%
Other 8%
Black 2%
Asian 1%
Native American <1%
The most prevalent ethnicity is White at 73%, followed by Hispanic at 27%, Other at 8%, and Black at 2%.

Economics
for Kerrville, TX 78028

169 /sq mi
Population Density
$65,668 /yr
Median Household Income
$315,625
Median Sales Price
17 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 18.6% of the households.

Transportation to Work

  • Drive 87%
  • Work from Home 8%
  • Walk or Bike 5%
  • Public Transit 0%

Occupancy by Type

Owned 10,808 57%
Rented 6,428 34%
Vacant 1,841 10%

White vs Blue Collar Jobs







White Collar 77%
Blue Collar 23%

Family & Education Facts
for Kerrville, TX 78028

46.3 Median Age

Average Household Size

2.2
persons per
household

48.8%

Married Households

Community Population By Education

High School Graduate 29%
Some College 23%
Bachelors Degree 20%
Graduate Degree 11%
Some High School 9%
Associates Degree 8%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 28.91% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
26.5% of households have children

Weather
for Kerrville, TX 78028

The weather for this area ranges from a high of 93° F in August to a low of 33° F in January

93° August
Hottest Average Month
33° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
33°
60°
Feb
37°
64°
Mar
44°
71°
Apr
52°
78°
May
60°
83°
Jun
67°
89°
Jul
68°
92°
Aug
68°
93°
Sep
63°
87°
Oct
53°
79°
Nov
43°
68°
Dec
35°
61°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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