147 Midwaters Dr, Mountain Home, TX 78058 Property Records

Kerr County property record for 147 Midwaters Dr, Mountain Home, TX 78058

Property Summary

Property Type	Rural Home
Details	2 ba · 2,400 sqft · built 2020
Lot Size	23.5 acres (1,025,838 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Jan 2015)
Tax Bill	$6,028 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4168-0000-0010000`

Property Details

APN / Parcel Number

Primary APN	`4168-0000-0010000`
Alternative APN	`530886`

Interior

Full Baths	2 Baths
Building Area	2,400 sqft Living Area
Gross Area	4,614 sqft
1st Floor Area	2,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Metal
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	1,025,838 sqft (23.5 acres)
Garage Type	Carport
Garage Area	660 sqft
Carport	Carport
Carport Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Storage Building	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	4168-0000-0010000
Street Address	147 MIDWATERS DR
City	MOUNTAIN HOME
State	TX
Zip	78058-1217
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HEADWATERS RANCH PH 2 LOT 1 ACRES 23.55
Legal Subdivision	HEADWATERS RANCH PH 2
Legal Lot Number	1
Jurisdiction	KERR TX
Township / Civil Division	INGRAM
Census Block Group	2
Census Block	2044
Census Tract	960304

Owner

147 Midwaters Dr, a rural home, is owned and occupied by two individuals who bought it in January 2015.

Source: Kerr County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	147 MIDWATERS DR, MOUNTAIN HOME, TX 78058-1217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage TEXAS HILL COUNTRY BANK
Apr 5, 2018	Deed of Trust, Mortgage · Construction Mortgage TEXAS HILL COUNTRY BANK
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOUSTON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2015 · Amount on File
Deed Sale	Jan 14, 2015 · Amount on File
Deed Document Number	2015348
Prior Transfer Date	Jan 12, 2015
Prior Transfer Doc	0000000348
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	147 MIDWATERS DR, MOUNTAIN HOME, TX 78058-1217
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	KERRVILLE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018002006
Date	Apr 5, 2018
Instrument	18-002006

Lender

Name	TEXAS HILL COUNTRY BANK
Type	Bank
Address	BANDERA, TX 78003

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	147 MIDWATERS DR, MOUNTAIN HOME, TX 78058-1217
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	KERRVILLE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018002005
Date	Apr 5, 2018
Instrument	18-002005

Lender

Name	TEXAS HILL COUNTRY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	147 MIDWATERS DR, MOUNTAIN HOME, TX 78058-1217
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021009843
Date	Nov 3, 2021
Instrument	21-009843

Lender

Name	HOUSTON FCU
Type	Credit Union
Address	SUGAR LAND, TX 77479

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 147 Midwaters Dr was $6,028 with a homeowner's exemption, up 2% from the year before.

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kerr County
Unified School District	Divide Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,028.00 (+19.98%)	$546,858 (-35.53%)	$852,257 (-) Land $321,340 Building $530,917
2025	$5,024.00 (+1.27%) Homeowner's exemption	$848,173	$852,257 Land $321,340 Building $530,917
2024	$4,961.00 (+3.96%)
2023	$4,772.00 Homeowner's exemption Additional exemption filed	$493,193 Land $10,175 Building $483,018	$679,084 Land $196,066 Building $483,018

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

Flood

FEMA maps place 147 Midwaters Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · 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 69 policies
Nearby Flood Policies	69 in force
Nearby Flood Claims	26 (2024–2026)
Claims Outside the SFHA	9 of 26
Most Recent Claim	Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jul 2026 · 5 claims Severe Storms, Straight-line Winds, And Flooding, Jul 2025 · 20 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 147 Midwaters Dr is moderate, ranking above 60% 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 60% of the US · above 43% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hill Country Telecommunications Fixed Wireless	50 / 10
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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