103 Cottage Cv, Spicewood, TX 78669 Property Records

Burnet County property record for 103 Cottage Cv, Spicewood, TX 78669

Property Summary

Property Type	Single Family Home
Details	1,581 sqft · built 2019
Lot Size	0.892 acres (38,856 sqft)
Owner	Individual Name on Record
Last Sale	$52,800 (Apr 2018)
Tax Bill	$2,622 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03810-0000-00002-000`

Property Details

APN / Parcel Number

Primary APN	`03810-0000-00002-000`
Alternative APN	`81987`

Interior

Stories	1 Story
Building Area	1,581 sqft Living Area
1st Floor Area	1,385 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	38,856 sqft (0.892 acres)
Garage Type	Carport
Garage Area	1,000 sqft
Carport	Carport
Carport Area	1,000 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	512 sqft

Location & Zoning

Street Address	103 COTTAGE CV
City	SPICEWOOD
State	TX
Zip	78669-9105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3810 COTTAGE HILL LOT 2R
Legal Subdivision	COTTAGE HILL
Legal Block	1
Legal Lot Number	2R
Jurisdiction	BURNET TX
Township / Civil Division	MARBLE FALLS
Census Block Group	1
Census Block	1008
Census Tract	960803

Owner

Source: Burnet County records, as of September 9, 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	103 COTTAGE CV, SPICEWOOD, TX 78669-9105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Apr 30, 2018	Deed, Transfer · Conventional Mortgage FIRST STATE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2018 · Amount on Record
Deed Sale	Apr 30, 2018 · Amount on Record
Prior Sale	May 14, 2013
Deed Document Number	20184428
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	103 COTTAGE CV, SPICEWOOD, TX 78669-9105
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202108441
Date	May 20, 2021
Instrument	202108441

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BURNET TX
Recording Date	Apr 30, 2018
Property Address	103 COTTAGE CV, SPICEWOOD, TX 78669-9105
Document Number	201804428
Map Reference	DOC 201305845
Instrument Date	Apr 27, 2018
Instrument	201804428
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1606 GABRIEL VIEW DR, GEORGETOWN, TX 78628-3522

Mortgage

Document Number	201804429
Date	Apr 30, 2018
Instrument	201804429

Lender

Name	FIRST STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Unified School District	Marble Falls Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,435 (+1.5%) Land $65,413 Building $274,022	$339,435 (+1.5%) Land $65,413 Building $274,022
2025	$2,622.00 (-26.24%) Homeowner's exemption Senior Citizen's exemption	$334,404 (-1.65%) Land $60,382 Building $274,022	$334,404 (-1.65%) Land $60,382 Building $274,022
2024	$3,555.00 (+8.35%)
2023	$3,281.00 Homeowner's exemption	$339,997 Land $60,382 Building $279,615	$339,997 Land $60,382 Building $279,615

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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2018–2021)
Most Recent Claim	May 2021 · rainfall accumulation

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 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.06% 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	SPICEWOOD BEACH private · serves 1,452 people · EPA ID TX0270011
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
VGI Technology Fixed Wireless	400 / 100
Rise Broadband Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Hill Country Networks Fixed Wireless	25 / 5

May also be available: Nextlink, Zero2 Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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