196 Harvest Creek Dr Assumable 4.75% rate. A qualified buyer can take over the seller's loan instead of financing at today's rates, and on a typical loan that saves real money every month for years. This 3-bed, 2-bath home in Harvest Creek has already had the big stuff handled. The roof is new as of 2025, and the garage is wired for EV charging, so plugging in at home is ready from day one. The fixtures are upgraded throughout, and a security system is installed and in place. Outside, the landscaping was redone, giving the yard a finished, settled-in look you won't get from a builder-basic lot. Harvest Creek sits in the quiet stretch between Kyle and Uhland. It's an easy drive to I-35, south Austin and San Marcos are both within reach, and the neighborhood is zoned to Hays CISD. A rate like this rarely comes along on a house in this shape. Schedule a showing before someone else locks it in.