Windmill Oaks — Fredericksburg, TX

55+ land-lease manufactured home community • Gillespie County • ~80 homes • Lot rent $350/mo

Windmill Oaks is a 55+ manufactured home community in Fredericksburg — the heart of Texas wine country, 70 miles west of Austin and 65 miles northwest of San Antonio. The community offers lot-lease living at $350/month, which covers water, sewer, trash, and access to community amenities. Homes in Windmill Oaks are manufactured, mostly 2–3 bedroom, with recent listings showing updated finishes including new flooring, remodeled bathrooms, and attached 2-car garages. The $350/month lot rent is lower than Ingram Oaks, reflecting both smaller community scale and the inland Gillespie County location.

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Why Fredericksburg Draws Retirees

Fredericksburg is one of Texas’s most popular retirement destinations for a reason: the German heritage downtown with its historic Main Street, 50+ wineries within 20 miles, the National Museum of the Pacific War, and a generally mild Hill Country climate. It is quieter and smaller than Kerrville, with a more defined cultural identity. The trade-off is fewer medical facilities locally — most residents use Peterson Regional in Kerrville (about 25 miles) or San Antonio for complex care.

Monthly Cost at $130,000 Home

Windmill Oaks — Estimated Monthly All-In (cash purchase)

Lot rent (water/sewer/trash included)$350/mo

Manufactured home insurance~$70/mo

Personal property tax on home~$90/mo

Utilities (electric, internet)~$150/mo

Estimated Monthly Total~$660/mo

Gillespie County vs. Kerr County taxes: Windmill Oaks is in Gillespie County, which has a slightly different tax structure than Kerr County. Homes in a land-lease community are taxed as personal property (the manufactured structure only, not the land), which typically results in lower tax bills than a fee-simple home but also builds no real estate equity. Confirm the exact county rate and how your home is classified with the Gillespie County Appraisal District before purchasing.

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Who This Community Is For

Windmill Oaks attracts retirees who want the Fredericksburg lifestyle — wine country, German heritage, small-town Texas — at a price point that does not require a large mortgage or significant savings outlay. For a cash buyer spending $130K on the home, monthly all-in costs under $700 are achievable. The land-lease structure means no land equity, but the monthly overhead is genuinely low.

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