109 Raven Dr, Temple TX 76502 | $389,000 | 3 Bed 2 Bath | Taylor Dasch, EG Realty
New Listing — The Groves at Lakewood Ranch
$389,000
109 Raven Dr, Temple TX 76502
3 Bed2 Bath2,117 SqFt0.23 AcresBuilt 2017
Chapter I — At a Glance

109 Raven Dr, Temple TX 76502

Four-sided masonry single-story with an outdoor wood-burning fireplace, Belton ISD schools, and $25/mo HOA covering pool, dog park, playground, and trails. Listed at $183.75/sqft — 7.2% below subdivision average.

$184
Price / SqFt
7.2%
Below Avg $/SqFt
Belton
ISD Zoning
$25
Monthly HOA
10 min
To BSW
2017
Year Built
Chapter III — The Property

What Makes This One Different

A built-in wood-burning fireplace on a covered patio is not standard at any price point in Temple — let alone under $400K. Most homes in this range give you a concrete slab and call it outdoor living. This property was built for people who actually use their backyard.

Outdoor Living

The standout. Covered patio with a built-in wood-burning fireplace — not a fire pit, not a gas insert, a real masonry fireplace. Fully fenced backyard with a wood privacy fence. This is year-round outdoor living in a market where most patios are afterthoughts.

Kitchen & Dining

Granite countertops on an oversized island with seating — big enough to double as a workspace. Eat-in breakfast area plus a separate formal dining room. Open floorplan means the kitchen flows directly into the living area. Tile floors throughout main areas.

Primary Suite

Main-level primary (the only level — this is a true single-story). Large walk-in shower with knotty alder cabinetry and granite vanity. Spacious enough that you do not feel like you are sharing the house with the other bedrooms.

Build Quality

Four-sided masonry construction — brick or stone on every exterior wall, not just the front. Standard in The Groves at Lakewood Ranch, not standard in Temple at this price. 2017 build on slab foundation with a brand new roof installed in 2024. 2-car attached garage, 9,800 sqft lot.

Buyers Miss This

Four-sided masonry is a long-term insurance and maintenance advantage. Homes with masonry on all four sides have significantly lower exterior maintenance costs over a 20-year period. Most Temple homes under $400K have masonry on the front only, with HardiePlank or vinyl on the sides and rear. This one is all masonry.

At $183.75 per sqft versus the $198 subdivision average, you are paying for build quality and outdoor living — not bedroom count.

Chapter IV — Single-Story Living

One Level. 2,117 SqFt. No Compromises.

Open floorplan with main-level primary suite, formal dining, and covered patio with fireplace. No stairs, no wasted space.

Open concept living and dining at 109 Raven Dr
Staged living area flowing into kitchen
Chapter V — The Community

The Groves at Lakewood Ranch

West-side Temple subdivision with four-sided masonry construction standard across the neighborhood. Phase 1 lots, established in the mid-2010s, are larger and more mature than newer phases. The HOA here covers more than most Temple neighborhoods charge double for.

🏊
Community Pool
Included in $25/mo HOA
🐶
Dog Park
Dedicated fenced area
🏠
Playground
Family-friendly amenity
🚶
Walking Trails
Maintained trail network
🌱
Irrigated Green Spaces
HOA-maintained common areas
🏫
Belton ISD
Lakewood Elem → Lake Belton HS
Little Gem

This property sits in Temple city limits but is zoned for Belton ISD. That distinction matters. Temple ISD and Belton ISD serve different attendance zones that do not follow city borders. Buyers who assume "Temple address = Temple ISD" miss properties like this one. If Belton ISD schools are on your list, filter by school district in MLS — not city.

Belton ISD Schools (Zoned)

Elementary
Lakewood Elementary
Middle School
North Belton Middle
Verify — attendance lines shifted 2024
High School
Lake Belton High School
Chapter VI — Location

How Far Is Everything?

West-side Temple location with fast I-35 access. BSW commuters — this is your 10-minute radius.

10
minutes
BSW Temple Medical Center
5
minutes
I-35 Access
25
minutes
Fort Hood Main Gate
10
minutes
Downtown Temple
12
minutes
Lake Belton
109 Raven Dr location map showing drive times to BSW Temple Medical Center (10 min), Fort Hood (25 min), Lake Belton (12 min), I-35 (5 min), and Downtown Temple (10 min)
Commute Detail

The I-35 access is via W Adams Ave / FM 2305 — roughly 2 miles from the front door. This means you are heading south toward BSW or north toward Belton / Salado without fighting through downtown Temple traffic. For 12-hour shift workers at BSW, a 10-minute commute is not a convenience — it is a lifestyle decision.

Your Payment

What Would Your Monthly Payment Be?

Adjust the sliders to see real numbers for VA, FHA, Conventional, or Physician loan programs. BAH comparison included for Fort Hood families.

Monthly Payment Calculator

109 Raven Dr · The Groves at Lakewood Ranch · $389,000

Home Price$
Down Payment (20%)$77,800
Interest Rate%
Loan Term

Estimated Monthly Payment

$2,296

Principal, interest, taxes, insurance & HOA

Principal & Interest$2,070
Property Tax$681
Homeowners Insurance$200
HOA$25

Estimated Cash to Close

Down Payment$77,800
Closing Costs (~3%)$11,670
Total$89,470

Fort Hood BAH Comparison

E-5

$1,695/mo

-$601

E-7

$2,070/mo

-$226

O-3

$2,340/mo

+$44

Extraco Bank Physician Loan: 0% down, no PMI — available to BSW Scott & White medical professionals. Ask Taylor for current rates and qualification details.

Want exact numbers for your situation?

Chapter VII — The Numbers

How $389,000 Compares

Price per square foot tells the story that list price alone cannot. Here is how 109 Raven stacks up against recent sold comparables in The Groves at Lakewood Ranch.

AddressPriceBed/BathSqFt$/SqFt
109 Raven Dr (This Property)$389,0003/22,117$183.75
10209 Eaglefire Dr$385,0003/21,958$196.53
1261 Bending Branch Way$402,5003/21,958$205.62
1236 Bending Branch Way$409,0003/22,013$203.24
502 Bell Springs Dr$430,0003/22,211$194.44
Subdivision Average (Recent Solds)$198.00

Source: Public records and MLS sold data. Updated March 2026. Verify current pricing with Taylor Dasch.

Chapter VIII — Taylor's Take

The Listing Agent's Perspective

Taylor Dasch, EG Realty
Editor's Letter
Taylor Dasch — EG Realty

Here is the deal on 109 Raven. The outdoor fireplace is the headline, but the real story is the price per square foot.

At $183.75/sqft, this property is 7.2% below the recent sold average in The Groves at Lakewood Ranch. That is not because something is wrong with it. That is strategic pricing to generate strong activity in week one. The seller wants showings, and the data supports the approach.

The buyer I see here: a BSW family or a move-up buyer currently in a $220K–$280K starter home. Someone who wants Belton ISD, outdoor space that actually functions, and community amenities their kids and dogs will use — without crossing $400K. That sub-$400K line matters more than people realize. It is the single biggest filter buyers set in search portals.

Honest note: 3 bedrooms at $389K is a premium position for Temple. You can find 4-bedroom homes at this price in other neighborhoods. But you will not find four-sided masonry, a wood-burning fireplace on a covered patio, and Belton ISD at $184/sqft. The features justify the price. The $/sqft confirms you are getting more house for the money than the comps suggest.

If this fits your search, I would move quickly. The pricing is intentionally aggressive, and showing volume should reflect that.

Chapter IX — Common Questions

Frequently Asked Questions

109 Raven Dr is in Temple city limits but zoned for Belton ISD — Lakewood Elementary, North Belton Middle School, and Lake Belton High School. Belton ISD is the more sought-after district in the area. Note: middle school attendance lines shifted in 2024, so verify the current zoning with the district before making decisions based on a specific school.
Approximately 10–12 minutes to BSW Temple Medical Center, roughly 6 miles. The route uses W Adams Ave to I-35, avoiding downtown Temple traffic. For 12-hour shift workers, this is one of the shortest commutes available in the sub-$400K range within Belton ISD.
The HOA runs $290–$305 per year ($24–$25/month) and includes the community pool, dog park, playground, walking trails, irrigated green spaces, and common area maintenance. For comparison, many Temple subdivisions charge $40–$60/month for fewer amenities.
At $183.75/sqft, this property is priced 7.2% below the subdivision's recent sold average of ~$198/sqft. Comparable 3/2 homes in The Groves have sold between $385K and $430K. The premium over a typical Temple 3-bedroom is justified by four-sided masonry, 2,117 sqft, the outdoor fireplace, and Belton ISD zoning. The pricing is intentionally aggressive for the seller’s timeline.
Four-sided masonry means brick or stone on every exterior wall — front, back, and both sides. Most homes under $400K in Temple have masonry on the front only, with HardiePlank or vinyl siding on the remaining walls. Full masonry reduces long-term exterior maintenance costs, improves insulation, and holds up better against Central Texas hail.
The commute to Fort Hood main gate is approximately 20–25 minutes via I-35. This works best for O-4+ or dual-military households. E-7 BAH (~$2,070/mo) would be tight against the estimated mortgage payment. The strongest crossover: military medical staff stationed at or commuting to BSW Temple, where the 10-minute commute is the real advantage.
Chapter X — Next Step

Schedule a Showing

Get inside 109 Raven Dr. Private showings available 7 days a week. Taylor Dasch, EG Realty.

Taylor Dasch
Taylor Dasch
EG Realty • Temple, TX