Caldwell County property record for 193 Zane Saddle Rd, Lockhart, TX 78644
| Property Type | Condominium |
|---|---|
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $373,382 (Jul 2025) |
| Tax Bill | $8,911 (2026) |
| Deeds & Mortgages | Jul 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0201097-900-044-00 |
| Primary APN | 0201097-900-044-00 |
|---|---|
| Alternative APN |
|
| Architectural Style | Condo/Apartment |
|---|---|
| Lot Area | 13,024 sqft (0.299 acres) |
| Account Number | 125393 |
|---|---|
| Street Address | 193 ZANE SADDLE RD |
| City | LOCKHART |
| State | TX |
| Zip | 78644-5033 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HARTLAND RANCH SUBD, BLOCK I, LOT 44, PHASE 1 - CONDO, ACRES .299 PHASE 1 - CONDO |
| Legal Subdivision | HARTLAND RANCH SUBD |
| Legal Phase | 1 |
| Legal Block | I |
| Legal Lot Number | 44 |
| Jurisdiction | CALDWELL TX |
| Township / Civil Division | LOCKHART |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 960102 |
193 Zane Saddle Rd, a condominium, is owned and occupied by two individuals who bought it in July 2025.
Source: Caldwell County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 193 ZANE SADDLE RD, LOCKHART, TX 78644-5033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on File |
| Deed Sale | Jul 30, 2025 · Amount on File |
| Deed Document Number | 20255687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL TX |
| Property Address | 193 ZANE SADDLE RD, LOCKHART, TX 78644-5033 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 13355 N HIGHWAY 183 1117, 1117, AUSTIN, TX 78750-7130 |
| Document Number | 2025005688 |
|---|---|
| Date | Jul 30, 2025 |
| Instrument | 2025-005688 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
The 2026 property tax bill for 193 Zane Saddle Rd was $8,911.
Source: Caldwell County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Caldwell County |
| Unified School District | Lockhart Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,911.00 | $349,750 (+1,590.43%) Land $51,730 Building $298,020 | $349,750 (+1,590.43%) Land $51,730 Building $298,020 |
| 2025 | $20,690 Land $20,690 | $20,690 Land $20,690 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 193 Zane Saddle Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective June 9, 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 | 3 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2007 · rainfall accumulation |
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 193 Zane Saddle Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within 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 | MAXWELL SUD serves 16,104 people · EPA ID TX0280003 |
|---|---|
| Water Source | Purchased surface water from CRWA HAYS CALDWELL WTP |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Centric Fiber Fiber | 1,000 / 1,000 |
| VTX Communications Fixed Wireless | 400 / 50 |
May also be available: Spry Air Fiber.
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