125 Ranch Rd 2323, Llano, TX 78643 Property Records

Llano County property record for 125 Ranch Rd 2323, Llano, TX 78643

Property Summary

Property Type	Commercial
Details	20,800 sqft · built 2004
Lot Size	1.25 acres (54,668 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,366 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20614-000-1550-0`

Property Details

APN / Parcel Number

Primary APN	`20614-000-1550-0`
Alternative APN	`31194`

Interior

Stories	1 Story
Building Area	20,800 sqft Total Area
1st Floor Area	20,800 sqft
Flooring	Concrete/Cement
Fireplaces	5 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Metal
Roof Type	Gable
Roof Material	Metal
Lot Area	54,668 sqft (1.25 acres)

Location & Zoning

Account Number	20614-000-1550-0
Street Address	125 RANCH ROAD 2323
City	LLANO
State	TX
Zip	78643
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	J C RAGSDALE ABST #614 1.255 AC
Legal Subdivision	J C RAGSDALE ABST #614
Jurisdiction	LLANO TX
Township / Civil Division	LLANO SOUTH
Census Block Group	3
Census Block	3082
Census Tract	970200

Owner

125 Ranch Rd 2323, a commercial property, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1000 FORD ST, LLANO, TX 78643-2346
Owner Type	Individual
Vesting	Doing Business As (DBA)

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
Oct 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA
Mar 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK CENTRAL TEXAS
Jan 8, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK CENTRAL TEXAS
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	125 RANCH ROAD 2323, LLANO, TX 78643
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 FORD ST, LLANO, TX 78643-2346

Mortgage

Document Number	0002306062
Date	Oct 26, 2023
Instrument	23-06062

Lender

Name	CADENCE BANK NA
Type	Bank
Address	LLANO, TX 78643

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	125 RANCH ROAD 2323, LLANO, TX 78643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OATMAN LAND TITLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1572/0332
Date	Mar 23, 2017
Book Page	1572/0332
Instrument	17-01741

Lender

Name	FIRST STATE BANK CENTRAL TEXAS
Type	Bank
Address	TEMPLE, TX 76503

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	125 RANCH ROAD 2323, LLANO, TX 78643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1578/0856
Date	Jan 8, 2018
Book Page	1578/0856
Instrument	18-00131

Lender

Name	FIRST STATE BANK CENTRAL TEXAS
Type	Bank
Address	TEMPLE, TX 76503

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	125 RANCH ROAD 2323, LLANO, TX 78643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HERITAGE LAND TRANSFER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1903580
Date	Jun 12, 2019
Instrument	19-03580

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	LLANO, TX 78643

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 11, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 125 Ranch Rd 2323 was $6,366, up 114.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,366.00 (+114.7%)	$402,260 (-) Land $23,750 Building $378,510	$402,260 (-) Land $23,750 Building $378,510
2025	$2,965.00	$402,260 Land $23,750 Building $378,510	$402,260 Land $23,750 Building $378,510
2023	$7,396.00	$400,470 Land $21,960 Building $378,510	$400,470 Land $21,960 Building $378,510

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

Flood

FEMA maps place 125 Ranch Rd 2323 in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1980.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	13 (1980–2024)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2018 · 8 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 125 Ranch Rd 2323 is moderate, ranking above 51% 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 51% of the US · lower than 73% 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	CITY OF LLANO serves 3,352 people · EPA ID TX1500001
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 ppb (2024) 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
BEC Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ranch Rd 2323

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