1406 Cummings St, Luling, TX 78648 Property Records

Caldwell County property record for 1406 Cummings St, Luling, TX 78648 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,308 sqft Living Area
Lot Size	11,250 sqft (0.258 acres)
Garage	Carport
Occupancy	Owner Occupied
Tax Bill	$3,884.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`0700738-001-008-80`
Alternative APNs	`R26115` `26115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,308 sqft Living Area
1st Floor	1,308 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Roof Construction	Reinforced Concrete Roof Construction
Lot Area	11,250 sqft (0.258 acres)
Depth X Width	125 ft x 90 ft Depth x Width
Garage Type	Carport Garage
Carport	Carport
Storage Building	480 sqft Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	26115
Street Address	1406 CUMMINGS ST
City	LULING
State	TX
Zip	78648-2135
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Description	REEVES, C.F., BLOCK 1, LOT 8-10
Legal Subdivision	REEVES, C.F.
Legal Block	1
Legal Lot Number	8,10
Jurisdiction	CALDWELL TX
Minor Civil Division	LULING
Census Blockgroup	3
Census Block	3035
Census Tract	960701

Owner

Source: Caldwell County records · APN 0700738-001-008-80

Assessment roll updated November 11, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1406 CUMMINGS ST, LULING, TX 78648-2135
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	1406 CUMMINGS ST, LULING, TX 78648-2135
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	ALAMO TITLE 17, ALAMO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023007612
Date	Nov 21, 2023
Instrument	2023-007612

Lender

Name	HAMILTON MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Caldwell County records · Assessment roll updated November 11, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,884.00 (+2.53%)
2025		$227,050 (+584.09%) Land $27,790 Building $199,260	$227,050 (+584.09%) Land $27,790 Building $199,260
2024	$3,788.00 (+543.12%)
2023	$589.00 (-15.62%)	$33,190 Land $27,790 Building $5,400	$33,190 Land $27,790 Building $5,400
2022	$698.00

Flood & Wildfire

1406 Cummings St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Caldwell County (48055C), updated June 9, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 46th percentile of exposed land nationally · 19th in Texas
Wildfire Likelihood	Moderate — about 1 in 1,299 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.