1198 Ridge Harbor Dr, Spicewood, TX 78669 Property Records

Burnet County property record for 1198 Ridge Harbor Dr, Spicewood, TX 78669

Property Summary

Property Type	Single Family Home
Details	6 bd · 2,739 sqft · built 2021
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Aug 2020)
Tax Bill	$9,001 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07290-0400-00001-000`

Property Details

APN / Parcel Number

Primary APN	`07290-0400-00001-000`
Alternative APN	`36691`

Interior

Bedrooms	6 Beds
Stories	1 Story
Building Area	2,739 sqft Living Area
Gross Area	3,245 sqft
1st Floor Area	1,323 sqft

Exterior

Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	189 sqft

Location & Zoning

Street Address	1198 RIDGE HARBOR DR
City	SPICEWOOD
State	TX
Zip	78669-3247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S7290 RIDGE HARBOR LOT 1, SEC 4 .764
Legal Subdivision	RIDGE HARBOR
Legal Block	1
Legal Lot Number	1
Jurisdiction	BURNET TX
Township / Civil Division	MARBLE FALLS
Census Block Group	1
Census Block	1005
Census Tract	960802

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	2 Individual Names on Record
Mailing Address	1911 WHITEHORSE CV, SPICEWOOD, TX 78669
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LEGEND LENDING CORP
Jul 15, 2022	Intrafamily Transfer, Transfer
Aug 6, 2020	Vendor's Lien, Transfer · Conventional Mortgage HAPPY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	Sep 25, 2012
Deed Document Number	20209582
Prior Transfer Date	Aug 5, 2020
Prior Transfer Doc	0202009582
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	1198 RIDGE HARBOR DR, SPICEWOOD, TX 78669-3247
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202210842
Date	Jul 18, 2022
Instrument	202210842

Lender

Name	LEGEND LENDING CORP
Type	Mortgage Company
Address	HOUSTON, TX 77058

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURNET TX
Recording Date	Jul 15, 2022
Property Address	1198 RIDGE HARBOR DR, SPICEWOOD, TX 78669-3247
Document Number	0202210820
Map Reference	CAB 2 SL 59C-60C
Instrument Date	Jul 15, 2022
Instrument	202210820
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119111 WHILEHORSE CV, SPICEWOOD, TX 78669

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Aug 6, 2020
Property Address	1198 RIDGE HARBOR DR, SPICEWOOD, TX 78669-3247
Document Number	0202009582
Map Reference	CAB 2 SL 59C
Instrument Date	Aug 5, 2020
Instrument	202009582
Transaction Type	Transfer
Record Updated	Mar 2, 2023
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	541 NOMAD DR, SPICEWOOD, TX 78669-1342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1911 WHITEHORSE COVE, SPICEWOOD, TX 78669

Mortgage

Document Number	0202009583
Date	Aug 6, 2020
Instrument	202009583

Lender

Name	HAPPY STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 5, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

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		$680,258 (-) Land $69,906 Building $610,352	$680,258 (-) Land $69,906 Building $610,352
2025	$9,001.00 (-3.54%)	$680,258 (+0.13%) Land $69,906 Building $610,352	$680,258 (+0.13%) Land $69,906 Building $610,352
2024	$9,331.00 (+1.94%)
2023	$9,153.00	$679,351 Land $69,906 Building $609,445	$679,351 Land $69,906 Building $609,445

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Oct 2018 · Severe Storms And Flooding

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 73% of Texas
Wildfire Likelihood	0.09% 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	RIDGE HARBOR private · serves 573 people · EPA ID TX0270081
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 200
VGI Technology Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband, Zero2 Wireless.

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