Travis County property record for 18624 Speculator Ln, Elgin, TX 78621
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,533 sqft · built 2020 |
| Lot Size | 0.177 acres (7,749 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,676 (2024) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0647080101 |
| Primary APN | 0647080101 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,533 sqft Living Area |
| 1st Floor Area | 1,078 sqft |
| 2nd Floor Area | 1,455 sqft |
| Year Built | Built 2020 |
|---|---|
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,749 sqft (0.177 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 941644 |
|---|---|
| Street Address | 18624 SPECULATOR LN |
| City | ELGIN |
| State | TX |
| Zip | 78621-2373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK E HOMESTEAD ESTATES UNIT 1 |
| Legal Subdivision | HOMESTEAD ESTATES UNIT 1 |
| Legal Block | E |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | TRAVIS TX |
| Township / Civil Division | NORTHEAST TRAVIS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 45800 |
18624 Speculator Ln is owned and occupied by an individual who acquired it in November 2020.
Source: Travis County records, as of November 3, 2025
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 18624 SPECULATOR LN, ELGIN, TX 78621-2373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Nov 18, 2020 | Vendor's Lien, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 |
| Deed Sale | Nov 18, 2020 |
| Deed Document Number | 2020222772 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TRAVIS TX |
| Property Address | 18624 SPECULATOR LN, ELGIN, TX 78621-2373 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18624 SPECULATOR LN, ELGIN, TX 78621-2373 |
| Document Number | 0000046918 |
|---|---|
| Date | May 2, 2023 |
| Instrument | 2023046918 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Dec 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | TRAVIS TX |
| Recording Date | Nov 18, 2020 |
| Property Address | 18624 SPECULATOR LN, ELGIN, TX 78621-2373 |
| Document Number | 0000222772 |
| Map Reference | DOC 202000139 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2020222772 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 25, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18624 SPECULATOR LN, ELGIN, TX 78621-2373 |
| Document Number | 0000222773 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 2020222773 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Travis County assessment roll, as of August 1, 2025
| 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 | $335,123 Land $75,000 Building $260,123 | $335,123 Land $75,000 Building $260,123 | |
| 2024 | $1,676.00 | ||
| 2023 | $396,064 Land $16,800 Building $379,264 | $396,064 Land $16,800 Building $379,264 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18624 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 18624 Speculator Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 97.1% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% 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 364 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| SOS Communications Fixed Wireless | 100 / 20 |
May also be available: Centric Fiber.
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