Bastrop County property record for 109 Live Oak, Elgin, TX 78621
| Property Type | Single Family Home |
|---|---|
| Details | 1,639 sqft · built 2012 |
| Lot Size | 1.01 acres (44,370 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $312,200 (Jul 2019) |
| Tax Bill | $5,652 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R15046 |
| Primary APN | R15046 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,639 sqft Living Area |
| Gross Area | 1,887 sqft |
| 1st Floor Area | 1,639 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Roof Material | Metal |
| Lot Area | 44,370 sqft (1.01 acres) |
| Lot Dimensions | 336 ft deep x 67 ft wide |
| Garage Type | Carport |
| Garage Area | 529 sqft |
| Carport | Carport |
| Carport Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 311 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 LIVE OAK |
|---|---|
| City | ELGIN |
| State | TX |
| Zip | 78621-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR HILLS SEC 1, LOT 35, ACRES 1.0186 |
| Legal Subdivision | CEDAR HILLS SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 35 |
| Jurisdiction | BASTROP TX |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 950101 |
Source: Bastrop County records, as of May 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 LIVE OAK, ELGIN, TX 78621-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Jul 12, 2019 | Vendor's Lien, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2019 · Amount on Record |
| Deed Sale | Jul 12, 2019 · Amount on Record |
| Prior Sale | Oct 15, 2012 |
| Deed Document Number | 201910394 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BASTROP TX |
| Property Address | 109 LIVE OAK, ELGIN, TX 78621-9736 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202113455 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 202113455 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | 9269 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BASTROP TX |
| Recording Date | Jul 12, 2019 |
| Property Address | 109 LIVE OAK, ELGIN, TX 78621-9736 |
| Document Number | 201910394 |
| Map Reference | CAB 1 PG 69B |
| Instrument Date | Jul 12, 2019 |
| Instrument | 201910394 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 LIVE OAK, ELGIN, TX 78621-9736 |
| Document Number | 201910395 |
|---|---|
| Date | Jul 12, 2019 |
| Instrument | 201910395 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Bastrop County assessment roll, as of May 26, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bastrop County |
| Unified School District | Elgin Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,652.00 (+12.32%) Homeowner's exemption | $377,006 (-12.73%) | $391,397 (-9.4%) Land $140,511 Building $250,886 |
| 2024 | $5,032.00 | ||
| 2023 | Homeowner's exemption | $432,000 Land $140,511 Building $291,489 | $432,000 Land $140,511 Building $291,489 |
| 2022 | $5,125.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 22, 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Nov 2015 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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