San Antonio Neighborhoods
Stone Oak,
San Antonio
Bexar County's first master-planned community, north of Loop 1604 and west of US-281, built out from the late 1980s on, anchored by NEISD schools, a medical complex next door, and Loop 1604 access toward Camp Bullis.
Questions about Stone Oak? Call me at (919) 800-9870
Stone Oak is a master-planned community inside San Antonio city limits, north of Loop 1604 and west of US-281, with one property owners association over roughly three dozen neighborhood HOAs. Its schools are in North East ISD. Homes date from the late-1980s golf-course streets of Sonterra onward, and very little open land is left, so most purchases are resales. The 2026 combined property tax rate for a Stone Oak home is $2.30 per $100 of taxable value. Camp Bullis is about 14 driving miles away and Fort Sam Houston about 18.
Tiffany Reed, REALTOR® | MRP · Data current as of October 2026 · Sources: Stone Oak Property Owners Association · KSAT · Bexar County Tax Assessor-Collector · NEISD- Most homes inside the boundary pay two sets of dues: the Stone Oak Property Owners Association (POA) residential assessment of $116 a year, billed each January, and their own neighborhood HOA's dues. Stone Oak has about 6,500 residential and commercial property owners and 36 neighborhood associations.
- Some places people call Stone Oak sit outside the POA boundary, including the Village at Stone Oak shopping center, Methodist Hospital Stone Oak, and Reagan High School, and a 78258 ZIP code alone doesn't put a home inside it.
- North East ISD serves more than 51,000 students on 67 campuses, and its Find Your Campus tool shows the elementary, middle, and high school zoned to a street.
- Stone Oak's master plan was filed with Bexar County in 1985, the first master-planned community in the county.
What is Stone Oak, and
where are its edges?
Stone Oak isn't one neighborhood. It's a collection of master-planned subdivisions that share a property owners association, a school district (NEISD), and a development story that starts in the 1980s. A small group of developers planned it on old ranch land and built a golf course along the electric line easements to draw builders to the first subdivisions, now part of Sonterra. The savings and loan crisis halted most building from 1989 to 1992 and sent much of the land to the federal Resolution Trust Corporation before new owners picked the plan back up. The developer handed the POA to homeowners in 2008.
The edges surprise people. Stone Oak runs from Loop 1604 at Blanco Road to just north of Huebner Road and takes in all of Stone Oak Parkway to US-281, but the land between Huebner Road and Sonterra Boulevard toward US-281 isn't part of it. Plenty of listings use the Stone Oak name anyway. If the POA matters to you (its master plan rules, its assessment, its architectural review), the POA office can confirm whether a property is inside its boundary.
The practical draw is the road network. Loop 1604 runs along the south side and US-281 along the east, so Camp Bullis to the west and the airport to the south are mostly highway drives, and the master plan set aside land for schools, churches, retail, and a hospital before the houses went up. Which section a listing sits in matters more than the name: build year, lot size, the HOA, and the zoned campuses all change from one subdivision to the next.
Comparing north San Antonio options before you settle on Stone Oak?
My free San Antonio Relocation Guide sets nearby areas next to each other, so you can weigh Stone Oak by price, school district, and distance to your installation.
Get the Free Relocation GuideIs Stone Oak a good fit for you?
Stone Oak is a good fit if you want:
- North East ISD schools and San Antonio city services, with the campus set by the street you buy on
- Highway access: Loop 1604 toward Camp Bullis and US-281 toward the airport and Fort Sam Houston
- A neighborhood with its own amenity center: many Stone Oak HOAs run a pool, recreation center, tennis or sports courts, and a playground
- Master plan rules on signs and building heights, enforced by the POA, on top of your own HOA's rules
- A resale home built from the late 1980s on, and you're fine with very little new construction to choose from
- A large city park, a hospital, and everyday shopping within a few miles of home
Which neighborhoods make up
Stone Oak?
About 35 subdivisions fall under the Stone Oak POA, and the POA's neighborhood list names each HOA and its management company. Lot size, home age, amenities, and HOA dues all vary. These are the groupings that are easiest to tell apart.
Sonterra
Stone Oak started here. The first subdivisions were laid out with frontage on the golf course: The Gardens, The Greensview, The Midlands, The Fairways, and The Woods, all now part of Sonterra. Sonterra has its own property owners association, plus several smaller HOAs (Hills of Sonterra, The Oaks at Sonterra, Villas at Sonterra, The Seventh of Sonterra). Homes here are among the oldest in Stone Oak, so roof, HVAC and water heater ages matter most.
Big Springs and S.O.C.O.M.A.
Two of the POA's larger associations cover several villages each. Big Springs takes in Village on the Glen, Village at Cactus Bluff, and Village in the Hills, with a pool, recreation center, tennis and basketball courts, walking trails, and a playground. S.O.C.O.M.A. covers Hills of Stone Oak, Stone Canyon, and The Glen, with its own recreation center, pool, tennis and basketball courts, and playground. If shared amenities are high on your list, start with these and with Stone Mountain and Canyon Rim / Hidden Mesa, which list similar facilities.
Champions Ridge, Arrowhead, Las Lomas, and the rest
The other member neighborhoods range from small self-managed associations to professionally managed ones: Champions Ridge, Champion Springs, Estates of Champions Run, Arrowhead and Estates at Arrowhead, Las Lomas and Heights at Las Lomas, Hidden Canyon, Mesa Grande / Echo Canyon, Knights Cross, and more. Each sets its own dues and rules, and once you're under contract, the HOA's resale certificate shows the current dues, budget and any special assessments.
"Stone Oak" outside the POA boundary
A 78258 address or a Stone Oak name in the listing doesn't put a home inside the POA. Homes outside the boundary skip the POA assessment and its master plan rules, which some buyers prefer and others don't. Either way, check the city limits, the school zone, and the HOA for the exact address.
How much do homes cost
in Stone Oak?
Stone Oak prices swing widely from one subdivision to the next, because build year, lot size, condition, and the HOA's amenities all differ. Instead of one range for the whole area, I've put current Stone Oak listings and recent sales further down this page, just after the tax details. They update on their own, so start there for today's numbers.
How much are property taxes in Stone Oak?
A typical Stone Oak home sits inside San Antonio city limits and North East ISD and pays seven taxing units, which add up to $2.300464 per $100 of taxable value for 2026, or about $2,300 for every $100,000 before exemptions.
| Taxing unit | 2026 rate per $100 | General homestead exemption |
|---|---|---|
| North East ISD | $0.975400 | $140,000 (higher at 65+ or disabled) |
| City of San Antonio | $0.562880 | 20% (at least $5,000) |
| Bexar County | $0.285963 | 20% (at least $5,000) |
| University Health (Bexar County Hospital District) | $0.276235 | 20% (at least $5,000) |
| Alamo Community College District | $0.166650 | 1% (at least $5,000) |
| San Antonio River Authority | $0.019300 | 4% (at least $5,000) |
| Bexar County Road and Flood | $0.014036 | $3,000 and 20% |
| Combined 2026 rate (all seven units) | $2.300464 | Exemptions apply unit by unit |
POA and HOA assessments are billed separately and aren't in this table. Any property's exact taxing units are listed on its record at Bexar Appraisal District's site (bcad.org).
Once you've moved in, your homestead exemption application goes to Bexar Appraisal District; it's what knocks $140,000 off the NEISD line. Applications are generally due April 30 of the tax year. A spring or summer closing still counts for that year, prorated to the months you own the house, unless the seller already received the same exemption for it. If the date slips by, the district still accepts the form up to two years after that year's taxes become delinquent, or five years for disabled veterans.
Data current as of October 2026 · Sources: Bexar County Tax Assessor-Collector, 2026 Official Tax Rates and Exemptions · Texas Comptroller, Form 50-114 · Bexar Appraisal District (bcad.org)
(OCT 03, 2026 - NOV 02, 2026)
Which schools serve
Stone Oak?
Stone Oak is in North East Independent School District. NEISD is the second-largest district in San Antonio, with more than 51,000 students on 67 campuses. Attendance zones for elementary and middle school change from one subdivision to the next, so the Stone Oak name alone won't tell you the campus.
Two NEISD high schools sit within about 3 to 4 driving miles of Stone Oak Park: Reagan High School at 19000 Ronald Reagan and Johnson High School at 23203 Bulverde Road. Which one serves a home, if either, depends on the street.
To check a specific home, type the street into NEISD's Find Your Campus street lookup to see the zoned elementary, middle, and high school. Then look up each of those campuses on the Texas Education Agency's site, tea.texas.gov, where every campus has its own report card.
Can you use a VA loan in Stone Oak?
Yes. If you have full entitlement, the VA puts no cap on how much you can borrow; your lender sets your approval amount, and the loan tops out at the appraised value or the sales price, whichever is lower. The VA appraiser also reviews every home for the VA's Minimum Property Requirements, and on a house from the late 1980s or 1990s, an aging roof, a failing water heater, or a safety issue is the kind of item that can come up. For the basics, see the free VA loan guide and the VA loans page.
Before you tour Stone Oak: what to know first
Stone Oak is many subdivisions under one name, so a few decisions narrow things down fast.
- Dues and the payment. Know your approval amount and your comfortable payment. Most homes inside the POA boundary pay POA and HOA dues on top of taxes, so count those in.
- The NEISD campus. Campuses follow the street, so decide whether schools matter and confirm the campus for each address.
- HOA and POA rules. Pools, fences and exterior changes go through architectural review here. Tell me what you'd need allowed, including RV or boat parking, leasing and pets, and I'll find out before the tour.
- Must-haves for the house. A single story, a three-car garage, a flat yard for pets, a busy road behind the house: know where you stand.
- A future rental. Decide whether you'd keep it as a rental at your next PCS.
- Drive at your hours. If you know where you'll work, drive from Stone Oak to that gate or office at the times you'd go.
How far is Stone Oak
from JBSA installations?
Approximate driving miles from Stone Oak Park (20395 Stone Oak Parkway). Each figure is to the installation's nearest gate that's open around the clock.
| JBSA-Camp Bullis | ~14 miles to the main gate via Loop 1604 and I-10 |
| JBSA-Fort Sam Houston | ~18 miles to the Harry Wurzbach East Gate via US-281 |
| JBSA-Randolph | ~19 miles to the Lindsey (Main) Gate via US-281, Loop 1604 and FM 78 |
| JBSA-Lackland | ~26 miles to the Luke East Gate via US-281 and Loop 410 |
Lackland is the longest drive from here. If that's your assignment, the Alamo Ranch guide covers a far west side option that's much closer to it, and the military relocation page compares areas by installation.
What is daily life like
in Stone Oak?
Stone Oak is suburban by design. A normal week runs along Stone Oak Parkway, US-281, and Loop 1604: groceries, the pharmacy, school drop-off, and dinner out are usually a short drive, while the neighborhood streets themselves stay residential.
Evenings and weekends often stay close to home. Many of the HOAs have a pool and courts, and a large city park with trails through native brush is surrounded by neighborhoods. The trade-off is that few homes are within walking distance of a store, so plan on driving for most errands.
Parks and outdoors
- Stone Oak Park, 245 acres at 20395 Stone Oak Parkway, with a paved loop, exercise stations, and a natural area of Ashe juniper
- Neighborhood amenity centers run by individual HOAs, such as Big Springs, S.O.C.O.M.A., and Stone Mountain
- The Club at Sonterra, a private golf club at 901 E. Sonterra Blvd.
Shopping and groceries
- H-E-B plus! at US-281 and Evans Road
- The Village at Stone Oak shopping center
Health care and travel
- Methodist Hospital Stone Oak, 1139 E. Sonterra Blvd., with emergency care
- San Antonio International Airport, about 11 driving miles south of Stone Oak Park via US-281
Data current as of October 2026 · Sources: San Antonio Report (Stone Oak Park) · Stone Oak POA neighborhood list · Methodist Healthcare · mileage from OpenStreetMap routing
What buyers ask about
Stone Oak.
What school district is Stone Oak in?
North East ISD. The zoned elementary, middle, and high school depend on the street, and Reagan and Johnson are the NEISD high schools within about 3 to 4 miles of Stone Oak Park. Use NEISD's Find Your Campus search for the address, then check each campus at tea.texas.gov.
What are home prices in Stone Oak?
Prices vary a lot by subdivision, build year, lot, and condition, so a single Stone Oak range isn't very useful. For the current picture, scroll up to the live listings and recent sales I've included on this page.
How far is Stone Oak from Camp Bullis and Fort Sam Houston?
From Stone Oak Park, Camp Bullis is about 14 driving miles west by Loop 1604 and I-10, and Fort Sam Houston is about 18 miles south by US-281. Randolph is about 19 miles and Lackland about 26. Drive times vary by time of day, traffic, and gate. Check current conditions for your route before deciding.
How does Stone Oak compare with Hollywood Park, Helotes, Bulverde, and Timberwood Park?
The biggest differences are the city and the school district. Hollywood Park, south on US-281, is its own town and is also in NEISD. Helotes is its own city in Northside ISD. Bulverde is a Comal County city in Comal ISD, and Timberwood Park is unincorporated Bexar County, also in Comal ISD. Each has a different set of taxing units, so compare tax bills as well as list prices.
What is the property tax rate in Stone Oak?
For 2026, a home inside San Antonio city limits and NEISD pays a combined $2.300464 per $100 of taxable value across seven taxing units, before exemptions. The NEISD homestead exemption is $140,000. Any address's units are on its bcad.org record, and homestead applications are generally due April 30.
Does Stone Oak have an HOA?
Usually two layers. Homes inside the boundary pay the Stone Oak POA's $116 annual residential assessment, which supports its master plan and architectural review work, and most also belong to a neighborhood HOA with its own dues, rules, and amenities. Get both sets of resale documents and review the dues, any special assessments, and the restrictions during your option period, the short window after your offer is accepted when you can still cancel for any reason.
What working with me looks like
for Stone Oak buyers.
- My prep starts before the front door opens. I get the seller's disclosure and any inspection reports from earlier sales and check the ages of the roof, HVAC and water heater. A deal-breaker surfaces before you spend your Saturday driving to it.
- You don't need to be in Texas to tour. I'll walk through each home with you on video, room by room, so you can make an offer from wherever you are.
- I can point you to a lender, including several who do VA loans every day.
- When you find your Stone Oak home, I'll write your offer and negotiate it.
- After the contract, I keep things moving. I coordinate the inspections, keep the appraisal and closing steps on schedule, and join you for the final walkthrough before you sign.
Ready to search
Stone Oak seriously?
Tell me which part of Stone Oak you keep coming back to and what has to be true about the house, and I'll set up the tours and write the offer when one is right. Still in the browsing stage? Browse Stone Oak homes for sale.
Let's Talk About Your Next MoveTiffany Reed, REALTOR® | MRP | Real Broker LLC
(919) 800-9870 | tiffany@tiffanyreedtx.com | tiffanyreedtx.com
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