1908 N 45th St, McAllen, TX 78501 Property Records

Hidalgo County property record for 1908 N 45th St, McAllen, TX 78501

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,496 sqft · built 2017
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,400 (Dec 2020)
Tax Bill	$6,884 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale + 2 more
APN	`O065100000004700`

Property Details

APN / Parcel Number

Primary APN	`O065100000004700`
Alternative APNs	`R701264` `701264`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,496 sqft Living Area
Gross Area	3,030 sqft
1st Floor Area	2,496 sqft
Utility Area	60 sqft
Flooring	Tile

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2020
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	72 sqft
Patio Area	132 sqft
Canopy	22 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1908 N 45TH ST
City	MCALLEN
State	TX
Zip	78501-3040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK TERRACE ESTATES LOTS 47
Legal Subdivision	OAK TERRACE ESTATES
Legal Tract	47
Legal Block	1
Legal Lot Number	47
Jurisdiction	HIDALGO TX
Township / Civil Division	MCALLEN-PHARR
Census Block Group	1
Census Block	1024
Census Tract	20732

Owner

Source: Hidalgo County records, as of September 16, 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	1908 N 45TH ST, MCALLEN, TX 78501-3040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Vendor's Lien, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2019	Warranty Deed, Transfer SIERRA TITLE COMPANY INC
Jan 17, 2019	Warranty Deed, Construction Loan · Line of Credit HAPPY STS BK
Nov 9, 2017	Warranty Deed, Subdivision Related Transfer CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	20203176873
Prior Transfer Date	Jun 20, 2011
Prior Transfer Doc	0002220215
Record Updated	Oct 29, 2026

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HIDALGO TX
Recording Date	Dec 18, 2020
Property Address	1908 N 45TH ST, MCALLEN, TX 78501-3040
Document Number	0003176873
Map Reference	VOL 49 PG 5
Instrument Date	Dec 14, 2020
Instrument	3176873
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	VALLEY LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4608 PELICAN AVE, 4608, MCALLEN, TX 78504-6537

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 N 45TH ST, MCALLEN, TX 78501-3040

Mortgage

Document Number	0003176874
Date	Dec 18, 2020
Instrument	3176874

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HIDALGO TX
Recording Date	Aug 6, 2019
Property Address	1908 N 45TH ST, MCALLEN, TX 78501-3040
Document Number	0003037426
Instrument Date	Aug 2, 2019
Instrument	3037426
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	SIERRA TITLE COMPANY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 W CHEYENNE AVE PHARR TX 78577, PHARR, TX 78577

January 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HIDALGO TX
Recording Date	Jan 17, 2019
Property Address	1908 N 45TH ST, MCALLEN, TX 78501-3040
Document Number	0002980070
Instrument Date	Dec 7, 2018
Instrument	2980070
Transaction Type	Construction Loan
Record Updated	Feb 5, 2019
Title Company	SENDERA TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2247 CENTRAL DR #200 BEDFORD TX 760215834, 200, BEDFORD, TX 76021-5834

Mortgage

Document Number	2980071
Date	Jan 17, 2019
Instrument	2980071

Lender

Name	HAPPY STS BK
Type	Bank
Address	AMARILLO, TX 79101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HIDALGO TX
Recording Date	Nov 9, 2017
Property Address	1908 N 45TH ST, MCALLEN, TX 78501-3040
Document Number	0002864322
Instrument Date	Oct 31, 2017
Instrument	2864322
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	CORPORATION SERVICES COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1908 N 45TH ST MCALLEN TX 785013040, MCALLEN, TX 78501-3040

Mortgage

Document Number	2864323
Date	Nov 9, 2017
Instrument	2864323

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

Source: Hidalgo County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Hidalgo County
Municipality	McAllen City
Unified School District	Sharyland Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,941 (-7.36%) Land $65,100 Building $274,841	$339,941 (-7.36%) Land $65,100 Building $274,841
2025	$6,884.00 (+19.83%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$366,956 (-0.55%) Land $65,100 Building $301,856	$366,956 (-0.55%) Land $65,100 Building $301,856
2024	$5,745.00 (-21.61%)
2023	$7,329.00 (+19.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$368,982 Land $65,100 Building $303,882	$368,982 Land $65,100 Building $303,882
2022	$6,150.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 55 policies
Nearby Flood Policies	55 in force
Nearby Flood Claims	5 (2018–2020)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2020 · Hurricane Hanna
Claims by Event	Hurricane Hanna, Jul 2020 · 2 claims Severe Storms And Flooding, Jun 2018 · 3 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	Low lower than 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% 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	MCALLEN PUBLIC UTILITY serves 145,050 people · EPA ID TX1080006
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 495 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TWIN Fixed Wireless	400 / 100
VTX Communications Fixed Wireless · Fiber in parts of the area	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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