1161 Lower Elgin Rd, Elgin, TX 78621 Property Records

Bastrop County property record for 1161 Lower Elgin Rd, Elgin, TX 78621

Property Summary

Property Type	Rural Home
Details	3 bd · 1,790 sqft · built 1997
Lot Size	9.84 acres (428,979 sqft)
Owner	Company Name on Record
Last Sale	$977,450 (Nov 2023)
Tax Bill	$7,271 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R79808`

Property Details

APN / Parcel Number

Primary APN	`R79808`
Alternative APN	`O0194939`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,790 sqft Living Area
Gross Area	1,825 sqft
1st Floor Area	1,790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	428,979 sqft (9.84 acres)

Exterior Amenities

Porch	Covered Porch
Porch Area	35 sqft
Utility Building	676 sqft
Pole Barn	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1161 LOWER ELGIN RD
City	ELGIN
State	TX
Zip	78621-5706
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A55 ROGERS, JOSEPH, ACRES 9.848
Legal Subdivision	ROGERS, JOSEPH
Legal Block	2
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
Census Tract	950101

Owner

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	Company Name on Record
Mailing Address	15915 DECKER LAKE RD, MANOR, TX 78653-4983
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2023	Vendor's Lien, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF BASTROP
Jun 6, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage JG WENTWORTH HOME LENDING INC
Nov 21, 2017	Vendor's Lien, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2023 · Amount on Record
Deed Sale	Nov 10, 2023 · Amount on Record
Prior Sale	Nov 21, 2017 · Amount on Record
Deed Document Number	202316896
Prior Transfer Date	Nov 17, 2017
Prior Transfer Doc	201717093
Record Updated	Oct 29, 2026

November 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BASTROP TX
Recording Date	Nov 10, 2023
Property Address	1161 LOWER ELGIN RD, ELGIN, TX 78621-5706
Document Number	0202316896
Instrument Date	Nov 8, 2023
Instrument	202316896
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2033 ROLLING RD S, SCOTTSVILLE, VA 24590-4618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15915 DECKER LAKE RD, MANOR, TX 78653-4983

Mortgage

Document Number	0202316897
Date	Nov 10, 2023
Instrument	202316897

Lender

Name	FIRST NATIONAL BANK OF BASTROP
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 9, 2043

Interest

Rate Type	Adjustable Rate
Rate	7.94%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 9, 2026
Change Frequency	Annually
Min Rate At Change	7.44%
Max Rate At Change	18%
Index	Prime Rate
Max Rate	18%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	1161 LOWER ELGIN RD, ELGIN, TX 78621-5706
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201908127
Date	Jun 6, 2019
Instrument	201908127

Lender

Name	JG WENTWORTH HOME LENDING INC
Type	Lending Institution
Address	WOODBRIDGE, VA 22192

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

November 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BASTROP TX
Recording Date	Nov 21, 2017
Property Address	1161 LOWER ELGIN RD, ELGIN, TX 78621-5706
Document Number	201717093
Instrument Date	Nov 17, 2017
Instrument	201717093
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE, AUSTIN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1161 LOWER ELGIN RD, ELGIN, TX 78621-5706

Mortgage

Document Number	201717094
Date	Nov 21, 2017
Instrument	201717094

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Bastrop County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bastrop County
Unified School District	Elgin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,271.00 (+3.4%)	$374,752 (-4.42%) Land $60,271 Building $314,481	$622,296 (-2.62%) Land $307,815 Building $314,481
2024	$7,032.00
2023	Homeowner's exemption	$392,065 Land $60,937 Building $331,128	$639,062 Land $307,934 Building $331,128
2022	$6,563.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	9 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Oct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Oct 2015 · 2 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	Moderate above 51% of the US · lower than 74% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: VTX Communications.

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