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1908 Spruce St, Bay City, TX 77414 Property Records

Matagorda County property record for 1908 Spruce St, Bay City, TX 77414

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,445 sqft · built 2022
Lot Size0.182 acres (7,937 sqft)
OwnerIndividual Name on Record
Tax Bill$4,735 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Mar 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN3250-0010-000300

Property Details

APN / Parcel Number

Primary APN3250-0010-000300
Alternative APN
  • 131979

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,445 sqft Living Area
Gross Area1,870 sqft
1st Floor Area1,445 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,937 sqft (0.182 acres)
Lot Dimensions140 ft deep x 57 ft wide
Garage TypeAttached
Garage Area405 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number3250-0010-000300
Street Address1908 SPRUCE ST
CityBAY CITY
StateTX
Zip77414-8419
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOAK MANOR VILLAS, BLOCK 1, LOT 3
Legal SubdivisionOAK MANOR VILLAS
JurisdictionMATAGORDA TX
Township / Civil DivisionBAY CITY
Census Block Group3
Census Block3007
Census Tract730302

Owner

Source: Matagorda County records, as of October 21, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address1908 SPRUCE ST, BAY CITY, TX 77414-8419
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2026Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Mar 19, 2024Vendor's Lien, Transfer · Conventional Mortgage
GATEWAY FIRST BANK

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMATAGORDA TX
Recording DateAug 10, 2026
Property Address1908 SPRUCE ST, BAY CITY, TX 77414-8419
Document Number0000004210
Instrument DateJul 21, 2026
Instrument20264210
Transaction TypeMortgage
Record UpdatedAug 24, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1908 SPRUCE ST, BAY CITY, TX 77414-8419
InvestorPossibly a Property Investor

Mortgage

Document Number0000004210,
DateAug 10, 2026
Instrument20264210
Lender
NameFIGURE LENDING LLC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueAug 17, 2046
Interest
Max Rate-1%

March 2024: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionMATAGORDA TX
Recording DateMar 19, 2024
Property Address1908 SPRUCE ST, BAY CITY, TX 77414
Document Number2024001300
Map ReferenceSL 520A-521B
Instrument DateMar 18, 2024
Instrument2024-001300
Transaction TypeTransfer
Record UpdatedApr 18, 2024
Title CompanyLANDTITLE TX LLC, LANDTITLE TEXAS LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address25227 GROGANS MILL RD # RD220, RD220, THE WOODLANDS, TX 77380-2951

Transferred To (Grantee/Buyer)

NameVerified Name
Address1908 SPRUCE ST, BAY CITY, TX 77414

Mortgage

Document Number2024001301
DateMar 19, 2024
Instrument2024-001301
Lender
NameGATEWAY FIRST BANK
TypeBank
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
MunicipalityBay City
CountyMatagorda County
Unified School DistrictBay City Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,735.00 (+0.77%) Homeowner's exemption$213,860 (+0.74%) Land $26,650 Building $187,210$213,860 (+0.74%) Land $26,650 Building $187,210
2025$4,699.00$212,280 (+3.81%) Land $26,650 Building $185,630$212,280 (+3.81%) Land $26,650 Building $185,630
2023$204,480 Land $15,000 Building $189,480$204,480 Land $15,000 Building $189,480

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 45 policies
Nearby Flood Policies45 in force
Nearby Flood Claims74 (1979–2019)
Claims Outside the SFHA60 of 74
Most Recent ClaimSep 2019 · rainfall accumulation
Claims by Event
  • Hurricane Harvey, Sep 2017 · 8 claims
  • Tropical Storm Fay, Sep 2002 · 8 claims
  • Hurricane Georges, Sep 1998 · 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 RiskLow
lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF BAY CITY
serves 18,061 people · EPA ID TX1610001
Water SourceGroundwater
Last State InspectionOct 2023
Lead4 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityArsenic
resolved · Apr 2024
Treatment and ProcedureColiform assessment
Aug 2025
Monitoring and Reporting7
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 228 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Nextlink
Fixed Wireless		1,000 / 500
Sparklight
Cable		1,000 / 50
TISD
Fixed Wireless		400 / 100
Verizon
Fixed Wireless		300 / 20
Skynet
Fixed Wireless		100 / 50

May also be available: YK Communications.

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