194 Spence Ln, Elgin, TX 78621 Property Records

Bastrop County property record for 194 Spence Ln, Elgin, TX 78621

Property Summary

Property Type	General Agricultural/Rural
Details	2 bd · 1,265 sqft · built 1977
Lot Size	8.07 acres (351,573 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,600 (Aug 2008)
Tax Bill	$9,965 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R13773`

Property Details

APN / Parcel Number

Primary APN	`R13773`
Alternative APN	`O0201964`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	1,265 sqft Gross Area
1st Floor Area	1,199 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	351,573 sqft (8.07 acres)
Garage Type	Detached
Garage Area	1,540 sqft
Parking Spaces	13 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	132 sqft
Storage Building	128 sqft
Pole Barn	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	194 SPENCE LN
City	ELGIN
State	TX
Zip	78621-5000
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	A288 RAINS, JAMES, ACRES 8.071
Legal Subdivision	RAINS, JAMES
Legal Block	2
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	950102

Owner

Source: Bastrop County records, as of May 26, 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	194 SPENCE LN, ELGIN, TX 78621-5000
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jun 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2008 · Amount on Record
Deed Sale	Aug 19, 2008 · Amount on Record
Deed Document Number	200811076
Deed Book / Page	1858 / 127
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	194 SPENCE LN, ELGIN, TX 78621-5000
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SPENCE LN, ELGIN, TX 78621-5000

Mortgage

Document Number	0202404677
Date	Mar 22, 2024
Instrument	202404677

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	174 Months
Due	Sep 1, 2038

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	194 SPENCE LN, ELGIN, TX 78621-5000
Transaction Type	Mortgage
Record Updated	Jul 5, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202112622
Date	Jun 18, 2021
Instrument	202112622

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	207 Months
Due	Sep 1, 2038

Tax Assessment & Valuation

Source: Bastrop County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bastrop County
Unified School District	Elgin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,965.00 (-1.99%)	$509,639 (-10.29%) Land $257,617 Building $252,022	$509,639 (-10.29%) Land $257,617 Building $252,022
2024	$10,167.00
2023		$568,108 Land $268,024 Building $300,084	$568,108 Land $268,024 Building $300,084
2022	$11,632.00

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, effective April 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 79% of Texas
Wildfire Likelihood	0.08% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: SOS Communications.

Nearby Properties on Spence Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures