1411 Cummings St, Luling, TX 78648 Property Records

Caldwell County property record for 1411 Cummings St, Luling, TX 78648

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,769 sqft · built 2020
Lot Size	0.859 acres (37,401 sqft)
Owner	Individual Name on Record
Tax Bill	$7,037 (2026)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0700738-002-012-80`

Property Details

APN / Parcel Number

Primary APN	`0700738-002-012-80`
Alternative APNs	`R26124` `26124`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,769 sqft Living Area
1st Floor Area	2,769 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Architectural Style	Georgian
Exterior Material	Fiber Cement Siding
Roof Type	Reinforced Concrete
Lot Area	37,401 sqft (0.859 acres)
Lot Dimensions	130 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Patio Area	78 sqft
Storage Building	288 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26124
Street Address	1411 CUMMINGS ST
City	LULING
State	TX
Zip	78648-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REEVES, C.F., BLOCK 2, LOT 12-19, PLUS ABANDONDED ALLEY PLUS ABANDONDED ALLEY
Legal Subdivision	REEVES, C.F.
Legal Block	2
Legal Lot Number	12,19
Jurisdiction	CALDWELL TX
Township / Civil Division	LULING
Census Block Group	3
Census Block	3036
Census Tract	960701

Owner

Source: Caldwell County records, as of August 18, 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 Record
Mailing Address	PO BOX 842, LULING, TX 78648-0842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Line of Credit RANDOLPH BROOKS FEDERAL CREDIT UNION
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Recording Date	May 26, 2026
Property Address	1411 CUMMINGS ST, LULING, TX 78648-2134
Document Number	0000004178
Instrument Date	May 13, 2026
Instrument	20264178
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 CUMMINGS ST, LULING, TX 78648-2134

Mortgage

Document Number	0000004178,
Date	May 26, 2026
Instrument	20264178

Lender

Name	RANDOLPH BROOKS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	1411 CUMMINGS ST, LULING, TX 78648-2134
Transaction Type	Mortgage
Record Updated	Apr 18, 2022
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002454
Date	Mar 30, 2022
Instrument	2022-002454

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,037.00 (+35.8%)
2025		$414,760 (+18.64%) Land $51,620 Building $363,140	$414,760 (-14.43%) Land $51,620 Building $363,140
2024	$5,182.00 (+9.32%)
2023	$4,740.00 (-21.17%) Homeowner's exemption Senior Citizen's exemption	$349,594 Land $51,620 Building $433,100	$484,720 Land $51,620 Building $433,100
2022	$6,013.00

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 June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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	CITY OF LULING serves 7,364 people · EPA ID TX0280002
Water Source	Purchased surface water from GBRA LULING PLANT
Last State Inspection	Apr 2025
Lead	Under 1 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 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	400 / 50

May also be available: AT&T, Guadalupe Valley Electric Cooperative, Verizon.

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