To buy a home in Windcrest, TX, get pre-approved, price the full Bexar County tax stack (about $2.15 per $100 before exemptions in 2025), confirm the water provider is Bexar County WCID #10, inspect carefully because most homes are established resales, and file your homestead exemption after closing. Windcrest is a small incorporated city inside the Loop 410 and I-35 area on San Antonio’s northeast side, with a 2020 Census population of 5,865. Because it is an established, largely built-out city, nearly every purchase is a resale. This guide walks through each step.
Brock Bremmer | U.S. Air Force Reserves Veteran | Real Estate Agent | eXp Realty | San Antonio Metro Area
Northeast San Antonio and VA Buyer Specialist
Also see: Bexar County Property Taxes | Live Oak vs Universal City | Randolph AFB Guide
Step 1: Get Pre-Approved and Choose the Loan
- Pre-approval first: Established neighborhoods with limited turnover can move quickly when a well-kept home lists. A written pre-approval lets you write an offer the same day
- VA buyers: Request your Certificate of Eligibility through VA.gov or your lender. With full entitlement, VA does not set a loan limit; your lender approves the amount, and the appraisal has to support the price
- VA funding fee: 2.15% of the loan amount for first use with less than 5% down, 1.5% with 5% down, and 1.25% with 10% down. Veterans receiving VA disability compensation are generally exempt
- Other options: FHA and conventional loans are both common on resale homes in this price range. Ask your lender to run payment scenarios with Windcrest’s actual tax rates, not a metro average. See our Down Payment Assistance guide if you need help with up-front cash
Step 2: Build the Windcrest Tax Stack
| Taxing unit | 2025 adopted rate (per $100) | Source |
| Bexar County | $0.276331 | Bexar County 2025 official rates |
| Bexar County Road and Flood Control | $0.023668 | Bexar County 2025 official rates |
| University Health (Hospital District) | $0.276235 | Bexar County 2025 official rates |
| Alamo Community College District | $0.149150 | Bexar County 2025 official rates |
| City of Windcrest | $0.446226 | Bexar County 2025 official rates |
| North East ISD | $0.982200 | Bexar County 2025 official rates |
| San Antonio River Authority | Small levy; confirm | Bexar Appraisal District |
- Add it up for the address: The six rates above total about $2.15 per $100 before exemptions. On a home with a $300,000 taxable value, every $0.10 of rate is about $300 a year, so small differences matter
- Exemptions: Texas school districts must exempt $140,000 of a homestead’s value. Bexar County’s 2025 list shows the county and hospital district offering a 20% homestead exemption and the City of Windcrest offering 5% (minimum $5,000), plus separate over-65 and disabled amounts
- Confirm the school district for the address: Windcrest Elementary is a North East ISD campus. Check the district and campus assignment for the exact address with the district, because district lines do not always follow city limits
Step 3: Confirm Utilities
- Water and sewer: The City of Windcrest lists Bexar County WCID #10 as the water and sewer provider for homes in its service area. That is different from much of San Antonio, which is served by SAWS. Confirm the provider for the address and ask for recent bills
- Electric and gas: Ask the seller for 12 months of electric and gas bills. On older homes, those bills tell you more about insulation, windows, and HVAC efficiency than a listing description can
- Trash and city services: Check the city’s website for how solid waste and other services are billed so your monthly budget is complete
Step 4: Inspect an Established Home Thoroughly
- Option period: The TREC One to Four Family Residential Contract (Resale) gives you an option period you buy with an option fee. Schedule the general inspection in the first days
- Foundation: Clay soils across the San Antonio area can move with wet and dry cycles. If the inspector notes cracks or sloping floors, consider a structural engineer’s evaluation before the option period ends
- Sewer line: On older homes, a camera inspection of the sewer line from the house to the main is inexpensive compared with a repair
- Roof, HVAC, and water heater: Ask for the age of each and any service records. These are the big-ticket items in most resale negotiations
- Permits and additions: If the home has a converted garage, added room, or pool, ask whether permits were pulled and check with the city
- Flood zone: Look up the address on the FEMA Flood Map Service Center and get an insurance quote during the option period
Step 5: Negotiate and Close
- Use the inspection: Ask for repairs, a price reduction, or seller-paid closing costs based on what the inspection finds. Closing-cost help is especially useful for VA and FHA buyers
- Survey and title: Review the title commitment and survey for easements, encroachments, and any HOA or deed restrictions that affect fences, sheds, or additions
- Commute check: Windcrest sits near Loop 410 and I-35. If you commute to JBSA-Randolph or downtown, drive the route at rush hour before you commit. See our Randolph AFB Guide
Step 6: File Your Homestead Exemption
- Homestead: File Form 50-114 with the Bexar Appraisal District once the home is your principal residence. One filing triggers the school, county, hospital district, and city homestead exemptions
- Disabled veterans: Texas Tax Code §11.131 provides a total residence homestead exemption for veterans rated 100% disabled or individually unemployable. Partial exemptions apply at lower ratings. File with your VA award letter
Frequently Asked Questions: How to Buy in Windcrest
What are the property tax rates in Windcrest, TX?
For 2025, Bexar County’s official rate list shows Bexar County $0.276331, Road and Flood Control $0.023668, University Health (hospital district) $0.276235, Alamo Community College District $0.149150, City of Windcrest $0.446226, and North East ISD $0.982200 per $100. That’s about $2.15 per $100 before exemptions and before the small San Antonio River Authority levy. Confirm every taxing unit for the exact address with the Bexar Appraisal District.
Who provides water and sewer in Windcrest?
The City of Windcrest identifies Bexar County Water Control and Improvement District #10 as the water and sewer provider for homes in its service area, not SAWS. Confirm the provider for the exact address and ask the seller for a recent bill so you can budget accurately.
Ready to Buy in Windcrest?
Brock Bremmer with eXp Realty is a U.S. Air Force Reserves veteran who has helped buyers and sellers close 120+ homes across the San Antonio metro. He helps Windcrest buyers price the full Bexar County tax stack, confirm utilities, plan inspections on established homes, and structure VA, FHA, or conventional financing.
- 📞 Call or text: 210-501-5088
- 📧 Email: [email protected]
- 📅 Schedule a free consultation
Also see: Bexar County Property Taxes | Live Oak vs Universal City | Randolph AFB Guide | VA Loan Guide | Cost of Living in San Antonio
Sources: U.S. Census Bureau QuickFacts: Windcrest city; Bexar County 2025 official tax rates and exemptions; City of Windcrest: Bexar County WCID #10; Bexar Appraisal District; North East ISD; Texas Comptroller, property tax exemptions; TREC Resale Contract; VA funding fee; VA loan limits; FEMA Flood Map Service Center; TEA school report cards.