10097 E FM 20, Dale, TX 78616 Property Records

Caldwell County property record for 10097 E FM 20, Dale, TX 78616

Property Summary

Property Type	Rural Home
Lot Size	11 acres (479,204 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (May 2021)
Tax Bill	$6,071 (2026)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0101037-000-300-00`

Property Details

APN / Parcel Number

Primary APN	`0101037-000-300-00`
Alternative APN	`120423`

Exterior

Lot Area	479,204 sqft (11 acres)
Shed	1 Shed
Shed Area	510 sqft
Storage Building	500 sqft

Location & Zoning

Account Number	120423
Street Address	10097 E FM 20
City	DALE
State	TX
Zip	78616-2095
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	RIDGE ACRES, LOT 3, ACRES 11.001
Legal Subdivision	RIDGE ACRES
Legal Lot Number	3
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	3
Census Block	3001
Census Tract	960102

Owner

Source: Caldwell County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10097 E FM 20, DALE, TX 78616-2095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Deed Document Number	20213893
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	2021003893
Record Updated	Oct 29, 2026

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	May 27, 2021
Property Address	10097 E FM 20, DALE, TX 78616-2095
Document Number	2021003893
Map Reference	CAB C PG 199
Instrument Date	May 25, 2021
Instrument	2021-003893
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5938 STATE PARK RD, 5938, LOCKHART, TX 78644-3023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 LYTTON ACRES DR, DALE, TX 78616-9504

Mortgage

Document Number	2021003894
Date	May 27, 2021
Instrument	2021-003894

Lender

Name	FIRST NATIONAL BANK OF BASTROP
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	May 25, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	May 25, 2026
Change Frequency	Annually
Min Rate At Change	4.49%
Max Rate At Change	5.99%
Index	Prime Rate
Margin	1
Max Rate	9.99%

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Caldwell County
Unified School District	Lockhart Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,071.00 (+45.2%)	$409,817 (+8.42%)	$428,870 (-0.77%) Land $322,170 Building $106,700
2025		$377,984 (+32.05%)	$432,180 (+12.55%) Land $325,480 Building $106,700
2024	$4,181.00 (+28.88%)
2023	$3,244.00 (-20.88%)	$286,252 Land $339,940 Building $44,050	$383,990 Land $339,940 Building $44,050
2022	$4,100.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 46% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUA WSC serves 86,325 people · EPA ID TX0110013
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Spry Air Fiber Fixed Wireless	250 / 50

May also be available: T-Mobile, VTX Communications.

Nearby Properties on E FM 20

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