Travis County property record for 18208 Speculator Ln, Elgin, TX 78621
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 2022 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,874 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0647080137 |
| Primary APN | 0647080137 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,520 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,998 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 959282 |
|---|---|
| Street Address | 18208 SPECULATOR LN |
| City | ELGIN |
| State | TX |
| Zip | 78621-2346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTATES UNIT 2 BLK E LOT 24 |
| Legal Subdivision | HOMESTEAD ESTATES UNIT 2 |
| Legal Block | E |
| Legal Lot Number | 24 |
| Jurisdiction | TRAVIS TX |
| Township / Civil Division | NORTHEAST TRAVIS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 45800 |
18208 Speculator Ln is owned by an individual who acquired it in August 2026.
Source: Travis County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2047 BENT TREE LOOP, ROUND ROCK, TX 78681-2219 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 21, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 27, 2022 | Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2025 |
| Deed Sale | Jun 25, 2025 |
| Deed Document Number | 202570549 |
| Last Transfer Date | Aug 11, 2026 |
| Transfer Doc | 0000100145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | TRAVIS TX |
| Recording Date | Aug 21, 2026 |
| Property Address | 18208 SPECULATOR LN, ELGIN, TX 78621-2346 |
| Document Number | 0000100145 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 2026100145 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2047 BENT TREE LOOP, ROUND ROCK, TX 78681-2219 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | TRAVIS TX |
| Recording Date | Apr 27, 2022 |
| Property Address | 18208 SPECULATOR LN, ELGIN, TX 78621-2346 |
| Document Number | 0000076992 |
| Map Reference | DOC 202100260 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 2022076992 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2047 BENT TREE LOOP, ROUND ROCK, TX 78681-2219 |
| Investor | Possibly a Property Investor |
| Document Number | 0000076993 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022076993 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 18208 Speculator Ln was $6,874, up 335.9% from the year before.
Source: Travis County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Elgin City |
| County | Travis County |
| Unified School District | Elgin Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,874.00 (+335.89%) | $270,671 (-5.01%) Land $75,000 Building $195,671 | $270,671 (-5.01%) Land $75,000 Building $195,671 |
| 2024 | $1,577.00 | $284,938 (-0.3%) Land $60,000 Building $224,938 | $284,938 (-0.3%) Land $60,000 Building $224,938 |
| 2023 | $285,809 Land $16,800 Building $269,009 | $285,809 Land $16,800 Building $269,009 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18208 Speculator Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 17, 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 |
| Nearby Flood Policies | 5 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 risk around 18208 Speculator Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA WSC serves 86,325 people · EPA ID TX0110013 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 27 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.
Source: FCC Broadband Data Collection, based on 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Centric Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| SOS Communications Fixed Wireless | 100 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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