18 River Tree Dr, Palacios, TX 77465 Property Records

Matagorda County property record for 18 River Tree Dr, Palacios, TX 77465

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,255 sqft · built 2018
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,681 (2025)
Deeds & Mortgages	Aug 2018 Construction Loan Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4450-0010-003800`

Property Details

APN / Parcel Number

Primary APN	`4450-0010-003800`
Alternative APN	`94199`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,255 sqft Living Area
Gross Area	5,058 sqft
1st Floor Area	2,255 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,991 sqft (2.02 acres)
Garage Type	Attached
Garage Area	588 sqft
Porch	Porch
Porch Area	714 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4450-0010-003800
Street Address	18 RIVER TREE DR
City	PALACIOS
State	TX
Zip	77465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VAQUERO RIVER ESTATES, BLOCK 1, LOT 38, ACRES 2.02
Legal Subdivision	VAQUERO RIVER ESTATES
Legal Block	1
Legal Lot Number	38
Jurisdiction	MATAGORDA TX
Township / Civil Division	TIDEHAVEN
Census Block Group	1
Census Block	1105
Census Tract	730700

Owner

Source: Matagorda County records, as of July 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 308, BLESSING, TX 77419-0308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2018	Deed of Trust, Mortgage · Construction Mortgage GATEWAY MORTGAGE GROUP LLC
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	18 RIVER TREE DR, PALACIOS, TX 77465
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	ADMIRAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018004849
Date	Aug 9, 2018
Instrument	2018-004849

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.9%
Index	1-Year LIBOR
Max Rate	10.9%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	18 RIVER TREE DR, PALACIOS, TX 77465
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	COASTAL LAND TITLE, COASTAL LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001132
Date	Feb 24, 2021
Instrument	2021-001132

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Matagorda County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Matagorda County
Unified School District	Tidehaven Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,681.00 (-27.7%) Homeowner's exemption	$624,330 (+38.73%) Land $40,400 Building $583,930	$624,330 (+38.73%) Land $40,400 Building $583,930
2023		$450,040 Land $30,180 Building $419,860	$450,040 Land $30,180 Building $419,860
2022	$3,708.00

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 January 14, 2021 · 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 Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	12 (1979–2019)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Jun 2019 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 4 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

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	0.1% 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	LIVE OAK LANDING SUBDIVISION private · serves 30 people · EPA ID TX1610129
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TISD Fixed Wireless	400 / 100
YK Communications Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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