Three Creeks, Belton TXA Nature Lover’s Data File.
Three Creeks is a master-planned community in Belton’s ETJ with trails, multiple builder and resale options, and address-specific MUD, HOA and school details to check. The named-subdivision CTXMLS sample recorded 137 closings at a $306,915 median from September 2, 2025 through September 1, 2026. Compare the actual home’s total cost, condition and commute before choosing a phase or builder.
Is Three Creeks a good place to live in Belton, TX?
Three Creeks is worth comparing if you want a neighborhood with trails and several home types in Belton ISD. The 137 recorded sales in the September 2, 2025–September 1, 2026 sample had a $306,915 median sale price and 53-day median MLS days on market. That describes a mixed set of homes, not the value or condition of a particular address. Check the property’s tax account, HOA documents, school assignment and real commute; a lower asking price can still come with a higher monthly cost.
- Median sold: $306,915 across 137 recorded sales in the stated closed-year sample.
- Median sold price per square foot: $165; median of each sale’s price divided by reported square feet.
- Median MLS days on market: 53 days; this is the exported DOM field.
- Active snapshot: 35 listings, $242,000–$508,999 on September 14, 2026; availability changes.
- Taxes and HOA: verify for the address using the tax account and current resale documents.
- Schools: Belton ISD address lookup; verify the intended school year.
Closed-sale source: CTXMLS export observed September 2, 2026; sales closed September 2, 2025–September 1, 2026. Availability source: CTXMLS observed September 14, 2026. Content evidence reviewed September 14, 2026.
Is Three Creeks worth buying in 2026?
Compare Three Creeks by the home you can buy and the costs you can document. Builder name, phase and a neighborhood median are useful starting points; they do not establish an inspection result, current incentive, school assignment or affordable payment.
Three Creeks by the Numbers
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| Metric | Value | Definition / date |
|---|---|---|
| Median sale price | $306,915 | 137 recorded closings · Sep 2, 2025–Sep 1, 2026 |
| Median MLS DOM · closed | 53 days | Median of the exported DOM field; not elapsed time to closing |
| Median sold price / square foot | $165 | Median of 137 individual sold-price / square-foot ratios |
| Median sold / final list | 100.0% | Median of individual ratios; does not include unreported concessions |
| Active listings | 35 | September 14, 2026 snapshot; not live availability |
| Active asking range | $242,000–$508,999 | All 35 Active listings in the named-subdivision sample |
| Median asking price · active | $335,000 | September 14, 2026 snapshot |
| Median MLS DOM · active | 62 days | 35 Active listings with recorded DOM |
| Pending / active under contract | 7 / 4 | Separate statuses in the September 14 snapshot |
| Closed-sale sample | 137 records | Belton + Three Creeks / Three Crks name variants |
| Taxes | Address-specific | Check applicable entities, taxable value and exemptions |
| HOA | Current documents required | Verify dues, assessments and restrictions before committing |
| Schools / flood | Address-specific | Use BISD and FEMA sources linked below |
Closed-sale source: CTXMLS export observed September 2, 2026; sales closed September 2, 2025–September 1, 2026. Availability source: CTXMLS observed September 14, 2026. Content evidence reviewed September 14, 2026. Filter: City = Belton; subdivision begins Three Creeks, Three Creek or Three Crks; status and closing dates as stated. The abbreviated Three Crks labels contribute 16 of the 137 closed records. This is a named-subdivision MLS sample, not every sale or a mapped census. Each closed metric has 137 usable records. Listings not entered in CTXMLS or missing the name pattern may be absent. Active and closed populations are separate. Builder field blanks do not prove a resale. Price ratios do not disclose seller-paid costs, incentives or repairs.
Read the Phase, Then Check the Address
The district’s December 2025 official statement describes about 571 acres and phases I/I-A through X. Read the recorded plat alongside the home’s build year, lot dimensions and utility account. That keeps the phase map tied to the property you would actually buy.
Compare the actual home’s build year, orientation, drainage, trees and condition. A phase-wide age or cooling-cost assumption is not a substitute for property records.
Check lot dimensions, easements and usable yard area. Compare similar-size homes and condition before deciding that an earlier phase commands a premium.
Use the listing and property documents to confirm the builder and construction history. A community brand or section name does not prove a particular home’s specification.
Review street access, the recorded plat, restrictions and any easements. Tour the route and the lot you would actually use.
The December 2025 district statement places portions of phases IX and X in Dog Ridge Water Supply Corporation’s certificated service area (CCN), where it expected Dog Ridge to provide retail water service. Verify today’s provider and charges for the exact address.
Who builds in Three Creeks, and what do their homes actually sell for?
The BuilderName field identifies D.R. Horton, Stylecraft, Tippit, Carothers and Omega in the closed-year sample. These are recorded builder attributions on sold homes, not a count of current builder inventory or a quality ranking. The 51 blank-field records are labeled as such; they are not assumed to be resales.
Comparison use: historical pricing and marketing-time context for similar homes. These records can differ in size, age, condition and seller incentives.
D.R. Horton — 53 recorded sales
Median sold $296,575; median MLS DOM 39 days. Closed September 2, 2025–September 1, 2026.
Stylecraft — 17 recorded sales
Median sold $304,000; median MLS DOM 112 days. Closed September 2, 2025–September 1, 2026.
Tippit Homes — 11 recorded sales
Median sold $322,500; median MLS DOM 124 days. Closed September 2, 2025–September 1, 2026.
Builder not recorded — 51 recorded sales
Median sold $342,000; median MLS DOM 55 days. Closed September 2, 2025–September 1, 2026.
Other named-builder records — small samples
The remaining five sales include Carothers and Omega. Individual small-cell price ranges and medians are withheld here because they are too thin to guide a builder comparison. The groups reconcile: 53 + 17 + 11 + 51 + 5 = 137.
A faster median DOM does not establish better construction or future resale liquidity. A 100% median sold/final-list ratio does not mean there were no price reductions or seller-paid costs. Use the actual property documents and a comparable lender estimate for today’s decision.
Compare the home, location and full monthly cost before choosing a builder. See the Temple-area builder comparison, or ask Taylor to help plan your builder search. You do not need a written offer to start planning. Tell Taylor if you already have an agent, have registered with a builder or have visited a sales office so the next step fits your situation.
If you already have a written offer, the comparison page explains the separate Builder Offer Second Opinion service.
How to Compare Three Creeks for Your Move
Moving for BSW
Start with your actual work location
Confirm the Temple campus, entrance, parking and arrival time. A neighborhood-wide drive estimate cannot establish whether a particular address works for your shift.
PCSing to Fort Hood
Test the route to your duty location
Confirm the gate you will use, access requirements and report time. Evaluate the full payment with your lender and choose based on your own budget and preferences; rank or allowance alone does not establish affordability.
Choosing trails and outdoor space
Walk the amenities you expect to use
Visit the trail access and outdoor spaces from the actual home. Check the HOA’s current access rules and maintenance responsibilities. An aerial is useful context, but it does not establish access rights or the condition of a trail today.
Questions to Resolve Before You Commit
Compare the address, the documents and the full cost.
The exact subdivision name matters. Searching only the literal label Three Creeks would miss the other recorded variants. This analysis includes Three Crks and phase labels; a map-based search is the next check before treating the results as complete.
Ask for the same home price, down payment and financing assumptions when comparing lender estimates. Check any preferred-lender condition, temporary payment change and expiration in writing. This page does not advertise a current rate or promise a seller concession.
A mailing city does not identify all taxing entities or a utility provider. Check the address’s actual account, taxable values and applicable exemptions. Keep that evidence with the home comparison so a low asking price does not hide a larger recurring cost.
Inspect the routes that are open for the trip you need to make. Verify a proposed road project through its owner; do not pay a premium based on an assumed opening date, time saving or appreciation forecast.
Eight Checks Behind the Asking Price
Use the Actual Tax Account
The district’s December 2025 statement lists a 2025 MUD levy of $0.783 per $100 of taxable value. That is one component, not a verified total tax rate for every home. Check Bell CAD for the address’s entities and taxable values, then confirm the relevant tax year and exemptions. Do not multiply a universal neighborhood percentage by the purchase price and treat it as a final bill.
Compare Documents Before Touring
Use the recorded builder as a lead for research, then confirm the actual specifications, warranty, inspection access, lot premium and complete financing terms. Historical builder-group medians do not describe every home that builder has sold or is offering today.
An ETJ Address Can Still Use City Utilities
The December 2025 district statement, printed pages 32–33, identifies the City of Belton as the wastewater provider and describes its retail water service. Portions of phases IX and X lie in Dog Ridge Water Supply Corporation’s certificated service area (CCN), where the statement expected Dog Ridge to provide retail water service. Being in the ETJ does not mean every utility is supplied by the MUD. Verify today’s provider, service and charges by address.
Use Property-Specific Guidance
Review drainage, gutters, foundation condition, repair history and the builder or engineer’s maintenance instructions. Ask your inspector about concerns and involve a qualified engineer when needed. A universal watering duration, frequency or slab specification cannot be established from a neighborhood label.
Use Today’s Roads in Your Decision
KTMPO’s February 2026 long-range plan includes Shanklin Road West phases 1 and 2 in its FY2035–2050 category, with estimated construction letting dates listed as TBD. That planning entry is not a construction-start notice. Tour the roads currently open and confirm any later project update before relying on a new connection.
Check the Intended School Year
Belton ISD’s attendance-boundary page says its 2024–2025 elementary boundaries remain unchanged for 2026–2027. Use its address lookup and confirm enrollment details for the home and school year. School assignment is a factual check, not a neighborhood quality ranking.
Request the Resale Documents
The March 2025 management certificate names Three Creeks Residential Community, Inc. and The Management Trust. Request the current dues and fee schedule, special assessments, amenity rules, lease restrictions and architectural approvals for the property. Use those documents when comparing ownership costs.
Check the Structure and Parcel
Use the FEMA Flood Map Service Center for the exact address and review the location of the structure as well as the parcel. Ask the lender and insurer about coverage and requirements. A neighborhood-level Zone X label cannot establish every home’s flood exposure or insurance requirement.
How Should You Test the Commute?
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| Destination | Location / source | What to verify |
|---|---|---|
| BSW Medical Center – Temple | 2401 S 31st Street, Temple | Test the exact home-to-parking route at your shift time |
| BSW Medical Center – Hillcrest | 100 Hillcrest Medical Boulevard, Waco | Different city and commute; it is not a nearby Temple campus |
| Fort Hood | Your actual duty location and permitted gate | Test gate access, traffic and report time |
| School / childcare | The assigned campus and your chosen provider | Check the intended school year and pickup schedule |
| Shopping / recreation | The location and entrance you will use | Test the trip from the actual home |
| Proposed road connections | Responsible public agency | Confirm what is currently open; no future time saving is assumed |
No live traffic measurement was performed for this review. Drive or map the exact route at the time you need it, including parking and access. Hillcrest is in Waco; use the Temple campus only when that is your actual destination.
The Amenity Check
Omega Builders’ current community description lists more than five miles of private hiking and biking trails, Lampasas River access, a pavilion and a fire pit. Walk the access route from the home you are considering and confirm the association’s current rules and maintenance responsibilities.
Three Creeks, Belton TX — Your Comparison Checklist
Choose by the Home and Your Needs
Compare your budget, space, condition, school needs and commute without assuming that a job, military rank or household type makes a neighborhood right for you.
$242,000–$508,999
This is the observed range of 35 Active listings in the September 14, 2026 sample. It is not a guarantee that a particular property is still available.
Test Your Actual Route
Confirm the campus or duty location, parking or gate access and the time you need to arrive. Do not rely on the page’s former neighborhood-wide drive times.
Keep the Documents Together
Review tax entities and taxable values, insurance, HOA obligations, utilities and condition. A historical median is useful context, not an individual budget or resale forecast.
Shortlist Three Creeks when the actual home, documented costs and tested route work for you. Compare it with other communities using the same assumptions before making a commitment.
Three Creeks Neighborhood Tour
Full walkthrough of Three Creeks — trails, amenities, construction phases, and the data behind the numbers. By Taylor Dasch, EG Realty.
Homes for Sale in Three Creeks
Inventory in Three Creeks changes daily. The reviewed exports use subdivision names beginning “Three Creeks” or “Three Crks,” with phase and section variants. “Colt Creek” appears as a builder-section name in listing marketing text, not as a subdivision-name value in these exports. Use this page as the starting point and request a map-based polygon search before comparing individual listings across all ten phases.
Ask for current Three Creeks listings and a map-based check of the homes that fit your search. The market table above is a dated snapshot. Subdivision names vary, so matching the exact phrase alone can omit relevant records.
Call Taylor for Current Listings · (254) 718-4249Listings change. Before an offer, confirm the property’s current status, HOA documents, school assignment, tax account, flood information, condition and any written incentive terms.
Compare living in Temple and Belton ISD neighborhood options using the same budget and commute assumptions.
Three Creeks FAQ
Is Three Creeks in Belton or Temple TX?
The December 2025 Bell County MUD No. 1 official statement places the district and Three Creeks development in Belton’s extra-territorial jurisdiction. Check the specific property’s jurisdiction and service records. An ETJ location does not by itself identify the water or wastewater provider. See the district statement.
What is the property tax rate in Three Creeks?
Use the property’s actual tax account and relevant tax year. The district’s December 2025 statement lists a 2025 MUD levy of $0.783 per $100 of taxable value, but that is only one component. Applicable entities, taxable values and exemptions determine the bill. Verify the address through Bell CAD; no universal current combined rate is established here.
What schools serve Three Creeks?
Three Creeks is in Belton ISD. The district says its 2024–2025 elementary boundaries remain unchanged for 2026–2027. Use the official attendance-boundary page and address lookup to check the home for the intended school year, and confirm any enrollment questions directly with the district.
How far is Three Creeks from Baylor Scott and White?
Test the route from the exact home to your assigned campus and parking at your actual shift time. BSW Medical Center – Temple is at 2401 S 31st Street in Temple. BSW Medical Center – Hillcrest is in Waco and is a separate commute. This review did not measure current drive times.
Are there traffic problems in Three Creeks?
Test the current access routes during your commute and school travel times. KTMPO’s February 2026 long-range plan lists Shanklin Road West in its FY2035–2050 category with construction letting dates still TBD. Confirm any later agency update; make today’s housing decision using roads that are open.
Does Three Creeks have an HOA?
Yes. The March 2025 management certificate identifies Three Creeks Residential Community, Inc. and The Management Trust. Confirm current regular dues, special assessments, transfer fees, amenity access, rental restrictions and architectural approvals in the property’s resale documents.
Is Three Creeks in a flood zone?
Check the exact address and structure location in the FEMA Flood Map Service Center, then ask the lender and insurer about coverage and requirements. A neighborhood-wide flood-zone description cannot establish every property’s exposure or insurance requirement.
What builders are in Three Creeks?
The September 2, 2025–September 1, 2026 closed-year sample includes recorded BuilderName entries for D.R. Horton, Stylecraft, Tippit Homes, Carothers and Omega. That describes attributed builders on sold homes, not current builder availability or a quality ranking. Confirm the builder, specifications, warranty and current offer for the exact property.
Do I need to water my foundation in Three Creeks?
Follow the property-specific instructions from the builder or qualified engineer, and ask the inspector about drainage, foundation condition and repair history. Drainage, soil conditions and the foundation design vary by property. Ask for a written maintenance plan that fits the home.
Ready to Run the Numbers on Three Creeks?
Tell Taylor which homes, budget and move timing you are considering. Compare current listings, recurring costs and the route you need. If you are starting a new-build search, request builder planning before contacting or touring builders, and include any existing agent relationship or builder registration.