102 E Arroyo Dr, Harlingen, TX 78550 Property Records

Cameron County property record for 102 E Arroyo Dr, Harlingen, TX 78550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,980 sqft · built 1949
Lot Size	0.606 acres (26,390 sqft)
Owner	Individual Name on Record
Last Sale	$97,500 (May 2014)
Tax Bill	$1,943 (2025)
Deeds & Mortgages	Aug 2018 Reverse Mortgage Jul 2023 Reverse Mortgage
Flood Zone	Zone AE (high risk)
APN	`178720-0440-025100`

Property Details

APN / Parcel Number

Primary APN	`178720-0440-025100`
Alternative APN	`71145`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,980 sqft Living Area
1st Floor Area	1,730 sqft
2nd Floor Area	1,250 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Block
Roof Type	Flat
Lot Area	26,390 sqft (0.606 acres)
Lot Dimensions	264 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	680 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	102 E ARROYO DR
City	HARLINGEN
State	TX
Zip	78550-7743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINWOOD HEIGHTS SUBDIVISION LOT 25-26 BLK 44
Legal Subdivision	FINWOOD HEIGHTS SUBDIVISION
Legal Block	44
Legal Lot Number	25-26
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	2
Census Block	2016
Census Tract	11801

Owner

Source: Cameron County records, as of August 13, 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	102 E ARROYO DR, HARLINGEN, TX 78550-7743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2018	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 27, 2023	Deed of Trust, Mortgage · Reverse Mortgage TRADITIONAL MORTGAGE ACCEPTANCE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2014 · Amount on Record
Deed Sale	May 20, 2014 · Amount on Record
Prior Sale	Jul 21, 2008 · Amount on Record
Deed Document Number	201417438
Deed Book / Page	20176 / 280
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	102 E ARROYO DR, HARLINGEN, TX 78550-7743
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023589/270
Date	Aug 1, 2018
Book Page	23589/270
Instrument	2018-00027858

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.08%
Type Change Date	Aug 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	102 E ARROYO DR, HARLINGEN, TX 78550-7743
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ARROYO DR, HARLINGEN, TX 78550-7743

Mortgage

Document Number	0202327262
Date	Jul 27, 2023
Instrument	2023-27262

Lender

Name	TRADITIONAL MORTGAGE ACCEPTANCE CORP
Type	Subprime Lender
Address	BELLEVUE, WA 98004

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.29%
Type Change Date	Sep 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.2%

Tax Assessment & Valuation

Source: Cameron County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cameron County
Municipality	Harlingen City
Unified School District	Harlingen Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,000 (-2.34%) Land $65,975 Building $184,025	$250,000 (-3.08%) Land $65,975 Building $184,025
2025	$1,943.00 (-45.76%) Homeowner's exemption Senior Citizen's exemption	$256,000 (+8.3%) Land $65,975 Building $191,971	$257,946 (+9.12%) Land $65,975 Building $191,971
2023	$3,582.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$236,385 Land $39,585 Building $196,800	$236,385 Land $39,585 Building $196,800
2022	$3,582.00

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 July 18, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	18 (1980–2025)
Claims Outside the SFHA	13 of 18
Most Recent Claim	Mar 2025 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2025 · 3 claims Severe Storms, Tornadoes & Flooding, Apr 1991 · 8 claims

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	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	HARLINGEN WATER WORKS SYSTEM serves 85,900 people · EPA ID TX0310002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
VTX Communications Fixed Wireless	400 / 50
RGV Communications Fixed Wireless	100 / 100

May also be available: AT&T, Verizon.

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