104 Cove E, Horseshoe Bay, TX 78657 Property Records

Llano County property record for 104 Cove E, Horseshoe Bay, TX 78657

Property Summary

Property Type	Condominium
Details	1,150 sqft · built 1976
Lot Size	0.021 acres (943 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Oct 2020)
Tax Bill	$7,975 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`12200-000-0104-0`

Property Details

APN / Parcel Number

Primary APN	`12200-000-0104-0`
Alternative APN	`14530`

Interior

Units	12 Units
Stories	1 Story
Building Area	1,150 sqft Living Area
1st Floor Area	1,150 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Condo/Apartment
Roof Type	Gable
Roof Material	Metal
Lot Area	943 sqft (0.021 acres)
Lot Width	8 ft Width
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	421 sqft
Porch	Slab
Porch Area	190 sqft
Patio Area	416 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12200-000-0104-0
Street Address	104 COVE E
City	HORSESHOE BAY
State	TX
Zip	78657-5896
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	THE SUNDOWNER CONDO UNIT 104 HORSESHOE BAY 15046
Legal Subdivision	THE SUNDOWNER CONDO
Jurisdiction	LLANO TX
Township / Civil Division	LLANO SOUTH
Census Block Group	1
Census Block	1005
Census Tract	970402

Owner

104 Cove E, a condominium, is owned by an individual who bought it in October 2020.

Source: Llano County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	9009 CATTLE CHUTE XING, AUSTIN, TX 78717-5096
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2018	Deed of Trust, Mortgage · ARM AFFILIATED BANK
Oct 14, 2020	Vendor's Lien, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Dec 28, 2018	Vendor's Lien, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	Dec 28, 2018 · Amount on File
Deed Document Number	20207491
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	0000007491
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	104 COVE E, HORSESHOE BAY, TX 78657-5896
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1582/3299
Date	Aug 2, 2018
Book Page	1582/3299
Instrument	18-04846

Lender

Name	AFFILIATED BANK
Type	Bank
Address	ARLINGTON, TX 76015

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Index	1-Year LIBOR
Max Rate	11%

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LLANO TX
Recording Date	Oct 14, 2020
Property Address	104 COVE E, HORSESHOE BAY, TX 78657-5896
Document Number	2007491
Map Reference	VOL 2 PG 42
Instrument Date	Sep 30, 2020
Instrument	20-07491
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	HIGHLAND LAKES TITLE-BURNET, HIGHLAND LAKES TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11524 SPICEWOOD PKWY, 11524, AUSTIN, TX 78750-2602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9009 CATTLE CHUTE XING, AUSTIN, TX 78717-5096

Mortgage

Document Number	2007492
Date	Oct 14, 2020
Instrument	20-07492

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

December 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LLANO TX
Recording Date	Dec 28, 2018
Property Address	104 COVE E, HORSESHOE BAY, TX 78657-5896
Document Number	1585/2412
Book / Page	1585 / 2412
Map Reference	VOL 1 PG 269
Instrument Date	Dec 17, 2018
Instrument	18-07784
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 HEARN ST, 510, AUSTIN, TX 78703-4516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11524 SPICEWOOD PKWY, AUSTIN, TX 78750-2602

Mortgage

Document Number	1807785
Date	Dec 28, 2018
Instrument	18-07785

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 104 Cove E was $7,975, up 197.1% from the year before.

Source: Llano County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Llano County
Municipality	Horseshoe Bay City
Unified School District	Llano Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,975.00 (+197.13%)	$580,000 (+15.31%) Land $180,242 Building $399,758	$580,000 (+15.31%) Land $180,242 Building $399,758
2025	$2,684.00	$503,000 Land $153,670 Building $349,330	$503,000 Land $153,670 Building $349,330
2023	$6,269.00	$391,220 Land $132,380 Building $258,840	$391,220 Land $132,380 Building $258,840

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

Flood

FEMA maps place 104 Cove E in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 112 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	144 units insured incl. 32 condo units
Nearby Flood Claims	28 (2018)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Oct 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2018 · 28 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

Wildfire risk around 104 Cove E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% 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	CITY OF HORSESHOE BAY serves 12,729 people · EPA ID TX1500015
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2024 Total trihalomethanes resolved · Jul 2021 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	Coliform assessment Dec 2016
Monitoring and Reporting	2 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
VGI Technology Fixed Wireless	1,000 / 200
Vyve Broadband Cable	1,000 / 50
Zero2 Wireless Fixed Wireless	200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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