Move-In Ready Home Near JBSA-Lackland Under $175K in San Antonio

Front exterior of 103 Chadwick Dr, San Antonio, TX. Photo: Sharp Realty Group.

Orders for a permanent change of station (PCS) to Joint Base San Antonio-Lackland (JBSA-Lackland) rarely leave much time to house hunt. Most buyers I talk with are juggling a report date, a fixed budget, and a search from another state, and they want a home near the gate that needs nothing done before the moving truck arrives.

A move-in ready home near JBSA-Lackland can take that worry off the list, and I am listing one at 103 Chadwick Dr in San Antonio's Valley Hi subdivision. I am Anthony Sharp, a U.S. Air Force veteran and REALTOR® with Sharp Realty Group. Once the bigger decisions that come with PCSing to Lackland are settled, like whether to live on base or buy and how far your allowance stretches, the search comes down to finding the right house.

Inside This Move-In Ready Valley Hi Home Near Lackland

Living room at 103 Chadwick Dr, San Antonio, TX. Photo: Sharp Realty Group.

The interior updates are the kind that matter most when you are moving on a deadline. The walls were repainted in a neutral color, and luxury vinyl plank floors run through every room with no carpet to replace, so your furniture can go in the day you get the keys. Here is how the rooms lay out, based on MLS measurements that are approximate and that the listing asks buyers to verify:

Open Living and Dining Area

The living room measures about 18 by 13 feet and opens into the dining area, so there is space for a sofa and chairs on one side and a dining table on the other. Light comes in through the front windows, crown molding trims the main rooms, and ceiling fans help with the summer heat.

White Eat-In Kitchen

The eat-in kitchen, about 12 by 9 feet, has white cabinets, good storage and work space, and a window above the sink that looks onto the backyard, so you can watch the yard while you cook. A range is included, and there are hookups for a washer and dryer.

Three Bedrooms and a Bonus Room

Each of the three bedrooms has a closet. The primary bedroom is about 12 by 11 feet, and the other two are about 11 by 10 and 10 by 10 feet.

The listing also mentions a bonus room that could become an office, a workout space, or a spot for guests. For a service member on early shifts or a spouse who works from home, a separate room with a door can make the daily routine easier.

Updated Full Bathroom

The full bathroom pairs a tiled walk-in shower and grab bars with a pedestal sink, along with newer lighting and a mirror over the vanity.

Outdoor Space on a Corner Lot Near JBSA-Lackland

Front lawn and mature trees at 103 Chadwick Dr, San Antonio, TX. Photo: Sharp Realty Group.

Step outside, and this listing stands out even more. The MLS lists the lot at about 75 by 118 feet, or roughly 8,842 square feet, a figure a survey or county record may show slightly differently, with usable room in front, in back, and along the side of the home:

Fenced Backyard With Mature Trees

The large backyard is enclosed by chain-link fencing and shaded by tall, mature trees. There is space for raised garden beds, a grill and patio chairs, or a dog that needs room to roam, and plenty of spots to sit outside once the Texas heat breaks.

Wood-Lined Workshop With Built-In Shelving

The long workshop is lined in wood and fitted with built-in shelves, which makes it a natural home for tools, weekend projects, and anything that does not fit in the closets. After a military move, it can hold the gear, bins, and seasonal items that would otherwise crowd the house.

Front Lawn With a Wide Driveway

A broad lawn and a young tree fill the front yard beside a wide concrete driveway that provides off-street parking. White siding, tan brick, and dark trim give the front of the house a clean, updated look.

Daily Life in Valley Hi Near JBSA-Lackland

Once the house checks out, the next question is how life works from this address. The MLS remarks place the home a few minutes from JBSA-Lackland, and the rest of the day-to-day picture looks like this:

Getting to JBSA-Lackland

From Loop 410, the MLS directions are to exit Valley Hi Drive and head east, turn left on Springvale Drive, then turn left on Chadwick Drive. The home is on the right, near the corner.

Before you commit to any home, I suggest driving the route to your gate at your real report time. A few minutes each way adds up over a three-year tour.

Reaching Port San Antonio and Major Highways

The listing also places Loop 410, U.S. Highway 90, State Highway 151, and Port San Antonio within a few minutes, and the MLS notes interstate access within about a mile or less. Those roads lead to downtown San Antonio and to nearby shopping and restaurants. Drive times change with traffic, construction, and the time of day, so treat the listing's "few minutes" as a general description rather than a promise.

For a dual-income household, that access matters as much as the base commute, since a spouse may work across town.

Checking School Zoning

The MLS lists the home in the Northside Independent School District (Northside ISD), with Jerry Allen for elementary, Rayburn for middle school, and John Jay for high school. Since zones can shift as the district grows, a quick search in the Northside ISD boundary lookup confirms the assignment for this exact address before you count on it. From there, the district's new student registration process is the next step.

Setting Up Utilities

Knowing the providers ahead of time lets you schedule service before move-in day. The MLS lists CPS Energy for electricity and natural gas, the San Antonio Water System for water and sewer, and the City of San Antonio for garbage collection. Natural gas is the heating fuel, and the water heater is electric.

As a general guide, opening accounts a week or two before closing can help service start the day you move in. Providers update their setup steps and deposit policies from time to time, so confirm the details with each one.

Who This Home Near Lackland May Fit in 2026

Driveway and front entry at 103 Chadwick Dr, San Antonio, TX. Photo: Sharp Realty Group.

The listing remarks name three kinds of buyers for this home, and each one will weigh it a little differently:

First-Time Buyers Stepping Into Ownership

At $172,000, owning a home may be within reach without a large savings account. On a Federal Housing Administration (FHA) loan, 3.5% down would come to about $6,020 before closing costs, a figure shown for illustration only. FHA terms are set by the U.S. Department of Housing and Urban Development and are subject to revision, and individual lenders may ask for more. Before you start shopping, settle on a monthly payment you are comfortable with, including taxes and insurance, and work backward to a price.

Statewide programs through the Texas Department of Housing and Community Affairs and the Texas State Affordable Housing Corporation offer down payment assistance to eligible buyers, usually with income, credit score, and homebuyer education requirements. Each agency sets its own rules, income limits, and funding, and those may shift from year to year, so a lender who works with these programs can tell you which ones fit your situation today.

Military Buyers Arriving on PCS Orders

A home loan backed by the U.S. Department of Veterans Affairs (VA) may let an eligible buyer who has full entitlement buy with no down payment, as long as the price does not exceed the appraised value and the lender approves the loan. These terms follow current VA guidelines, which VA may revise, and each lender may add its own requirements. Every Joint Base San Antonio (JBSA) installation falls in the same San Antonio housing area, so your Basic Allowance for Housing (BAH) is the same whichever JBSA gate you report to. Under the 2026 rates, an E-5 with dependents receives $1,869 a month. The Department of Defense resets these rates each year, so confirm your exact figure through the official Defense Travel Management Office lookup.

For illustration only, here is how those numbers might line up on a first-use VA loan with no money down. The 2.15% funding fee adds about $3,698, and VA allows it to be rolled into the loan, for a total of about $175,698. Using the Freddie Mac 30-year average of 7.40% as a stand-in rate, principal and interest come to roughly $1,217 a month. Add about $231 a month for the $2,774 annual tax figure in the MLS, and the estimate reaches roughly $1,448 before homeowners insurance.

That example is a guide, not a quote, and your lender will price your actual rate, insurance, and escrow. Lenders check your score against their VA loan credit score requirements before approving a file, and those standards vary from one lender to the next, so it pays to know where you stand ahead of applying. Under current VA rules, veterans receiving VA disability compensation may be exempt from the funding fee, though exemption rules are set by VA and may be updated, and your lender will confirm your status.

After you go under contract, a VA-approved appraiser reviews the home to give an opinion of value and confirm it meets VA minimum property requirements. VA can update those requirements, and your lender will walk you through the current process.

During my years on active duty, I moved on orders more than once, so I know how much a firm closing date matters. The MLS lists possession at closing and funding, which lets you plan your move around the day the loan funds rather than a separate move-in date. Final possession terms are set in the signed contract, so confirm them before you schedule movers.

Investors Building a Rental Portfolio

I own and self-manage rental homes, so I look at a listing like this through a landlord's eyes. Vinyl plank floors, a tiled shower, no carpet, and a fenced yard tend to make the turnover between tenants simpler, and a location near JBSA-Lackland and Port San Antonio may help with rental demand.

VA and FHA loans generally require the buyer to live in the home, based on current VA and HUD occupancy rules, so investors typically use conventional investment financing or cash. Numbers I would run before buying it as a rental include:

• Market rent based on recent leases of similar homes nearby.
• Property taxes without a homestead exemption.
• A landlord insurance quote for the address.
• A vacancy allowance for the weeks between tenants.
• A maintenance and repair reserve.
• A property management fee if you will not manage it yourself.

Rental results vary with the market, financing, and management, so use this list as a general guide and talk with a tax professional about how a rental fits your situation.

Financing and Buying This San Antonio Home Under $175K

Whichever group you fall into, the way you pay for the home shapes both what you bring to closing and what you pay each month. The seller lists four acceptable terms in the MLS, and here is how they tend to compare:

Option	Typical Minimum Down	Mortgage Insurance or Fees	Often Used By
VA loan	$0 with full entitlement	One-time funding fee, 2.15% on first use with less than 5% down	Eligible service members, veterans, and surviving spouses
FHA loan	3.5% with a 580 or higher credit score	1.75% upfront premium plus an annual premium	Buyers with modest savings
Conventional loan	Varies by program and lender	Private mortgage insurance below 20% down	Buyers with stronger credit
Cash	Full purchase price	No mortgage insurance or loan fees	Investors and buyers paying without a loan

These are general 2026 program terms shown as a guide only. Agencies and lenders can change their rules, fees, and credit standards, so confirm your options with a licensed lender.

Comparing Rates and Monthly Payments

Freddie Mac's 30-year fixed average stood at 7.40% as of October 8, 2026, up from 7.28% the week before and 6.30% a year earlier. That survey tracks conventional loans for borrowers with 20% down and excellent credit, so VA and FHA quotes may land higher or lower depending on your file. Rates change weekly and vary by lender.

At this price, a rate change moves the payment by fewer dollars than it would on a larger loan, which gives you some cushion while rates climb. As an illustration only, on the $175,698 example loan, a rate one point lower, at 6.40%, would cut principal and interest by about $117 a month. Getting quotes from more than one lender on the same day gives you a fair comparison.

Budgeting for Taxes and Closing Costs

The MLS shows no mandatory homeowners association (HOA), which would mean no association dues to plan for, though that is worth confirming through the title commitment. It lists a total tax of $2,774 for the 2026 tax year before exemptions. Owners who live in the home can apply for the Texas residence homestead exemption, which currently takes $140,000 off the home's value for school district taxes under state law, and Texas fully exempts the homestead of a veteran rated 100% disabled or individually unemployable.

Exemptions, appraisals, and tax rates change each year, so verify current figures with the Bexar Central Appraisal District and a tax professional. Homeowners insurance rounds out the monthly budget, and because premiums vary by insurer, coverage, and the home itself, it helps to request quotes for this address early.

Beyond any down payment, San Antonio buyer closing costs add lender fees, title charges, prepaid insurance, and escrow deposits to your cash to close, and those amounts vary by lender and title company. Under current VA rules, a seller may contribute concessions of up to 4% of the home's reasonable value when both sides agree to it in the contract, and that cap could change if VA updates its policy.

Touring the Home and Writing an Offer

A few listing photos are virtually staged to help you picture furniture in the rooms, so an in-person or live video tour is the way to see the home as it is. From there, I walk buyers through these steps:

• Get pre-approved with a lender who regularly closes your loan type.
• Tour in person, or by live video while you are still out of state.
• Verify the room sizes and total square footage, as the MLS advises.
• Order an independent home inspection during the option period.
• Confirm the school assignment, taxes, and insurance quote for the address.
• Write an offer with a closing date that lines up with your report date.

Timelines vary by lender, loan type, and contract, so set dates that fit your orders with your lender and agent.

In Texas, the standard contract calls for earnest money held by the escrow agent and an option fee paid to the seller for the right to end the contract during the option period. The amounts and number of days are negotiated in each deal, and the Texas Real Estate Commission can revise its contract forms. Buyers who cannot be in San Antonio for closing may be able to sign remotely or through a power of attorney, depending on the lender, the title company, and current Texas notary rules.

Moving Into a Ready Home Near JBSA-Lackland With Confidence

Orders still come with pressure, but the house itself does not have to add to it. When you know what this Valley Hi home offers, how close it sits to the base, and how your loan and allowance fit the price, you can decide with confidence, even from another state. A military relocation specialist who has moved on orders can help you line up a closing that fits your report date.

Fresh finishes, a fenced yard under mature trees, and a workshop ready for your tools can let your first weekend be about unpacking rather than repairs. When you are ready to see it, a private showing is the next step.

Ready to Tour 103 Chadwick Dr?

I am Anthony Sharp with Sharp Realty Group, a U.S. Air Force veteran and the listing agent for this home. Reach out to schedule a private showing, set up a live video walkthrough from out of state, or talk through the numbers for your loan and allowance.

Call or text: 210-997-0763

Schedule a time: book a consultation

Email: anthony@sharprealtygrouptx.com

Office: 213 Terramar, Cibolo, TX 78108

Frequently Asked Questions (FAQs)

How close is 103 Chadwick Dr to JBSA-Lackland?

The MLS remarks place the home a few minutes from JBSA-Lackland, with Loop 410, U.S. Highway 90, and State Highway 151 nearby. Your exact drive depends on which gate you use and when you leave.

Can I buy this San Antonio home with a VA loan?

Yes. The seller lists VA financing along with conventional, FHA, and cash. With full entitlement, a VA loan may let you buy with no down payment, subject to lender approval and the VA appraisal. Unless you qualify for an exemption, expect a funding fee, which your lender can calculate for you. Program terms are subject to change, so confirm the current terms when you apply.

What school district serves this home in Valley Hi?

The MLS lists Northside ISD, with Jerry Allen for elementary, Rayburn for middle school, and John Jay for high school. Boundaries can change, so confirm the assignment with the district before you decide.

Does 103 Chadwick Dr have an HOA?

The MLS shows no mandatory HOA. Listing data may be updated or contain errors, so confirm it during your contract period through the title commitment.

What are the property taxes on this home?

The MLS lists a total tax of $2,774 for the 2026 tax year before exemptions. An owner who lives in the home can apply for the Texas homestead exemption, and qualifying disabled veterans may receive more, under current state law, which the Legislature can amend. Verify current figures with the Bexar Central Appraisal District.

Is 103 Chadwick Dr move-in ready?

The listing remarks describe the home as recently refreshed and ready for a new owner to move in. An independent inspection during your option period is still the place to confirm its condition for yourself before you close.

How long does a VA loan take to close?

There is no fixed timeline. Closing speed depends on the lender, the VA appraisal, and how quickly you return documents, so ask your lender for a realistic estimate before you set a closing date around your report date.

Can I tour the home while I am still stationed out of state?

Yes. I can walk you through the home by live video, answer questions room by room, and help you set up an inspection and closing that work from a distance.

Is this home a good fit for a rental investor?

The listing remarks name investors as a good fit, and the easy-care finishes and location near JBSA-Lackland and Port San Antonio may appeal to tenants. I self-manage rentals and am glad to walk through the numbers with you, since your return will depend on rent, taxes, insurance, vacancy, and management, and no return is guaranteed.

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Disclaimer: This article is general information only and does not consider your individual financial, tax, or legal circumstances. Listing details come from the MLS and should be independently verified. Market data, mortgage rates, loan program terms, allowance rates, and tax figures change and are provided as a general guide, not a guarantee. Nothing here guarantees financing, approval, appreciation, rental income, or resale value. Before making a decision, speak with a qualified professional such as a REALTOR®, a licensed lender, or an attorney about your specific situation.