One of the biggest advantages of this home is the partial assumable FHA loan at 2.85%. With approximately $260,000 remaining, the current payment is about $1,075 per month compared to roughly $1,559 at today’s 6% rates — a savings of nearly $500 per month or about $5,800 per year. In today’s interest-rate environment, opportunities like this are extremely rare. You can change a house, but you can’t change a locked-in interest rate like this. Set on a desirable corner lot in the highly sought-after Onion Creek community of South Austin, this inviting residence offers charm, functionality, and lifestyle. Thoughtfully maintained and filled with natural light, the open layout centers around a cozy fireplace, custom wet bar, and a well-equipped kitchen with double ovens — perfect for holiday gatherings and everyday living. The executive paneled office is professionally designed and wired with Cat 6 for fast, reliable connectivity — ideal for remote work. Energy-efficient windows installed in 2017 enhance comfort and efficiency throughout. Step outside to a landscaped backyard retreat featuring a covered patio, recent privacy fence, and dedicated dog run with convenient access from the primary bedroom’s private covered patio. Ample guest parking makes entertaining easy. Onion Creek is known for 24-hour security, golf-cart-friendly streets, mature trees, and a welcoming atmosphere. Residents enjoy wildlife, neighborhood events, and close proximity to the private Onion Creek Club. Located just 12 miles from downtown Austin, this home offers peaceful living with quick access to the city. 10400 La Costa Drive delivers space, community, and a financial advantage that’s nearly impossible to replicate today.