Bastrop County property record for 109 Saranac Dr, Elgin, TX 78621
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1,829 sqft · built 2018 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $296,781 (Aug 2026) |
| Tax Bill | $5,992 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R8705983 |
| Primary APN | R8705983 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,829 sqft Living Area |
| Gross Area | 2,362 sqft |
| 1st Floor Area | 848 sqft |
| 2nd Floor Area | 981 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,144 sqft (0.164 acres) |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 58 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 SARANAC DR |
|---|---|
| City | ELGIN |
| State | TX |
| Zip | 78621-2059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SARATOGA FARMS SUBDIVISION SECTION FOUR, BLOCK C, LOT 67, ACRES 0.164 |
| Legal Subdivision | SARATOGA FARMS SUBDIVISION SECTION FOUR |
| Legal Block | C |
| Legal Lot Number | 67 |
| Jurisdiction | BASTROP TX |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 950202 |
109 Saranac Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Bastrop County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed, Transfer · FHA Mortgage FINANCIAL CORPORATION |
| Feb 25, 2021 | Vendor's Lien, Transfer · Conventional Mortgage CAPSTAR LENDING LLC |
| Oct 17, 2018 | Vendor's Lien, Transfer CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on File |
| Deed Sale | Aug 31, 2026 · Amount on File |
| Prior Sale | Feb 25, 2021 · Amount on File |
| Deed Document Number | 202614617 |
| Prior Transfer Date | Feb 24, 2021 |
| Prior Transfer Doc | 202103286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BASTROP TX |
| Recording Date | Aug 31, 2026 |
| Property Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Document Number | 0000014617 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202614617 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Document Number | 0000014618, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202614618 |
| Name | FINANCIAL CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000014619, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202614619 |
| Name | FINANCIAL CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BASTROP TX |
| Recording Date | Feb 25, 2021 |
| Property Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Document Number | 202103286 |
| Map Reference | CAB 6 PG 84A |
| Instrument Date | Feb 24, 2021 |
| Instrument | 202103286 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2021 |
| Title Company | CAPITAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Document Number | 202103287 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 202103287 |
| Name | CAPSTAR LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BASTROP TX |
| Recording Date | Oct 17, 2018 |
| Property Address | 109 SARANAC DR, ELGIN, TX 78621-2059 |
| Document Number | 201815038 |
| Map Reference | CAB6 PG84A |
| Instrument Date | Oct 17, 2018 |
| Instrument | 201815038 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2021 |
| Title Company | PLATINUM TITLE LLC, PLATINUM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 109 SAVAN C DR, ELGIN, TX 78621 |
| Document Number | 201815039 |
|---|---|
| Date | Oct 17, 2018 |
| Instrument | 201815039 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Number | 201815040 |
|---|---|
| Date | Oct 17, 2018 |
| Instrument | 201815040 |
| Name | THE BANK OF NEW YORK MELLON TRUST CO NA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 109 Saranac Dr was $5,992.
Source: Bastrop County assessment roll, as of May 26, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Bastrop County |
| Municipality | Elgin City |
| Unified School District | Elgin Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,992.00 Homeowner's exemption | $311,659 Land $68,795 Building $242,864 | $311,659 Land $68,795 Building $242,864 |
| 2023 | $7,158.00 (-11.99%) Homeowner's exemption | $362,306 Land $68,795 Building $293,511 | $362,306 Land $68,795 Building $293,511 |
| 2022 | $8,133.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Saranac Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 109 Saranac Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 69% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| SOS Communications Fixed Wireless | 100 / 20 |
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