1295 Cottage Grove Cir, Bryan, TX 77801 Property Records

Brazos County property record for 1295 Cottage Grove Cir, Bryan, TX 77801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,154 sqft · built 2009
Lot Size	0.125 acres (5,427 sqft)
Owner	Individual Name on File
Last Sale	$242,452 (Mar 2025)
Tax Bill	$2,867 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`198970-0222-0020`

Property Details

APN / Parcel Number

Primary APN	`198970-0222-0020`
Alternative APN	`347308`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
Gross Area	1,510 sqft
1st Floor Area	1,154 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,427 sqft (0.125 acres)
Garage Type	Attached
Garage Area	356 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1295 COTTAGE GROVE CIR
City	BRYAN
State	TX
Zip	77801-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTAGE GROVE PH 2B, BLOCK 2, LOT 2
Legal Subdivision	COTTAGE GROVE PH 2B
Legal Block	2
Legal Lot Number	2
Jurisdiction	BRAZOS TX
Township / Civil Division	BRYAN-COLLEGE STATION
Census Block Group	2
Census Block	2007
Census Tract	605

Owner

1295 Cottage Grove Cir is owned and occupied by an individual who bought it in March 2025.

Source: Brazos County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Apr 7, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 4, 2021	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 5, 2020	Warranty Deed, Transfer GUARANTY BK
Jun 7, 2017	Warranty Deed, Transfer AMERICAN MOMENTUM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2025 · Amount on File
Deed Sale	Mar 7, 2025 · Amount on File
Prior Sale	Oct 4, 2021 · Amount on File
Deed Document Number	20251551195
Deed Book / Page	19718 / 154
Prior Transfer Date	Sep 30, 2021
Prior Transfer Doc	0017405/71
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRAZOS TX
Recording Date	Apr 7, 2026
Property Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541
Document Number	0001582724
Book / Page	20470 / 199
Instrument Date	Mar 31, 2026
Instrument	20261582724
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541

Mortgage

Document Number	0001582724,
Date	Apr 7, 2026
Book Page	20470/199
Instrument	20261582724

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BRAZOS TX
Recording Date	Oct 4, 2021
Property Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541
Document Number	0017405/71
Book / Page	17405 / 71
Map Reference	VOL 8936 PG 238
Instrument Date	Sep 30, 2021
Instrument	1448246
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	AGGIELAND TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541

Mortgage

Document Number	0001448247
Date	Oct 4, 2021
Instrument	1448247

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRAZOS TX
Recording Date	Aug 5, 2020
Property Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541
Document Number	0001401551
Book / Page	016259 / 000095
Instrument Date	Aug 5, 2020
Instrument	1401551
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3804 AUSTINS ESTATES CT BRYAN TX 778081482, BRYAN, TX 77808-1482

Mortgage

Document Number	1401552
Date	Aug 5, 2020
Book Page	016259/000102
Instrument	1401552

Lender

Name	GUARANTY BK
Type	Bank
Address	BRYAN, TX 77802-5361

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 4, 2040

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRAZOS TX
Recording Date	Jun 7, 2017
Property Address	1295 COTTAGE GROVE CIR, BRYAN, TX 77801-1541
Document Number	014068/163
Book / Page	14068 / 163
Map Reference	VOL 8936 PG 238
Instrument Date	Jun 2, 2017
Instrument	01299545
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	AGGIELAND TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1713 SUMMERWOOD LOOP, BRYAN, TX 77807-1103

Mortgage

Document Number	0001299546
Date	Jun 7, 2017
Instrument	01299546

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1295 Cottage Grove Cir was $2,867 with a homeowner's exemption, down 11.5% from the year before.

Source: Brazos County assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$229,631 (+9%) Land $50,000 Building $179,631	$229,631 (+9%) Land $50,000 Building $179,631
2025	$2,867.00 (-11.46%)	$210,665 Land $36,000 Building $174,665	$210,665 Land $36,000 Building $174,665
2024	$3,238.00 (-14.56%)
2023	$3,790.00	$191,165 Land $33,000 Building $158,165	$191,165 Land $33,000 Building $158,165
2021	$3,757.00

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

Flood

FEMA maps place 1295 Cottage Grove Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 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 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 1295 Cottage Grove Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% 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 BRYAN serves 91,031 people · EPA ID TX0210001
Water Source	Groundwater
Last State Inspection	May 2023
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	1 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Nextlink Fixed Wireless	1,000 / 500
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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