Travis County property record for 18304 Speculator Ln, Elgin, TX 78621
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,213 sqft · built 2022 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,290 (Apr 2026) |
| Tax Bill | $8,706 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0647080132 |
| Primary APN | 0647080132 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,213 sqft Living Area |
| Gross Area | 2,589 sqft |
| 1st Floor Area | 919 sqft |
| 2nd Floor Area | 1,294 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 | 376 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 959277 |
|---|---|
| Street Address | 18304 SPECULATOR LN |
| City | ELGIN |
| State | TX |
| Zip | 78621-2347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTATES UNIT 2 BLK E LOT 19 |
| Legal Subdivision | HOMESTEAD ESTATES UNIT 2 |
| Legal Block | E |
| Legal Lot Number | 19 |
| Jurisdiction | TRAVIS TX |
| Township / Civil Division | NORTHEAST TRAVIS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 45800 |
18304 Speculator Ln is owned and occupied by two individuals who bought it in April 2026.
Source: Travis County records, as of July 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18304 SPECULATOR LN, ELGIN, TX 78621-2347 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Apr 17, 2026 | Deed, Transfer · FHA Mortgage VILLAGE CAPITAL |
| Apr 20, 2022 | Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on File |
| Deed Sale | Apr 17, 2026 · Amount on File |
| Deed Document Number | 202644316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TRAVIS TX |
| Recording Date | Apr 17, 2026 |
| Property Address | 18304 SPECULATOR LN, ELGIN, TX 78621-2347 |
| Document Number | 0000044316 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202644316 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | AUSTIN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18304 SPECULATOR LN, ELGIN, TX 78621-2347 |
| Document Number | 0000044317, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 202644317 |
| Name | VILLAGE CAPITAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | TRAVIS TX |
| Recording Date | Apr 20, 2022 |
| Property Address | 18304 SPECULATOR LN, ELGIN, TX 78621-2347 |
| Document Number | 0000071772 |
| Map Reference | DOC 202100260 |
| Instrument Date | Apr 13, 2022 |
| Instrument | 2022071772 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 137 CALADENIA LN, MILPITAS, CA 95035-8920 |
| Document Number | 0000071773 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 2022071773 |
| 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 18304 Speculator Ln was $8,706, up 328.9% 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 | $8,706.00 (+328.87%) | $342,777 (-6.52%) Land $75,000 Building $267,777 | $342,777 (-6.52%) Land $75,000 Building $267,777 |
| 2024 | $2,030.00 | $366,677 (+2.04%) Land $60,000 Building $306,677 | $366,677 (+2.04%) Land $60,000 Building $306,677 |
| 2023 | $359,337 Land $16,800 Building $342,537 | $359,337 Land $16,800 Building $342,537 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18304 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 18304 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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