2025 Sandy Ranch Rd, Harwood, TX 78632 Property Records

Caldwell County property record for 2025 Sandy Ranch Rd, Harwood, TX 78632

Property Summary

Property Type	Rural Home
Details	3 bd · 6 ba · 1,525 sqft · built 2017
Lot Size	10 acres (435,644 sqft)
Owner	Individual Name on File
Last Sale	$692,800 (Jun 2023)
Tax Bill	$6,000 (2026)
Deeds & Mortgages	Oct 2019 Construction Loan Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0100875-000-036-00`

Property Details

APN / Parcel Number

Primary APN	`0100875-000-036-00`
Alternative APNs	`R13097` `13097`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	1,525 sqft Living Area
1st Floor Area	1,525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Reinforced Concrete
Lot Area	435,644 sqft (10 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	415 sqft
Deck Area	38 sqft
Patio Area	6 sqft
Shed	1 Shed
Shed Area	1,200 sqft
Storage Building	121 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13097
Street Address	2025 SANDY RANCH RD
City	HARWOOD
State	TX
Zip	78632-4244
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SANDY FORK RANCHES, LOT 36, ACRES 10.001
Legal Subdivision	SANDY FORK RANCHES
Legal Lot Number	36
Jurisdiction	CALDWELL TX
Township / Civil Division	LULING
Census Block Group	2
Census Block	2034
Census Tract	960600

Owner

Source: Caldwell County assessment roll, as of November 11, 2025

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

Owner of Record	Individual Name on File
Mailing Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Construction Mortgage SOUTHSTAR BANK SSB
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTAR BANK SSB
Oct 18, 2024	Deed of Trust, Mortgage · VA Mortgage INSTAMORTGAGE.COM
Jun 21, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage FROST BANK
Jul 10, 2023	Vendor's Lien, Transfer · Stand-Alone First Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Oct 19, 2015 · Amount on Record
Deed Document Number	20233681
Prior Transfer Date	Jul 23, 2015
Prior Transfer Doc	0000006927
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019005013
Date	Oct 1, 2019
Instrument	2019-005013

Lender

Name	SOUTHSTAR BANK SSB
Type	Bank
Address	MOULTON, TX 77975

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Sep 27, 2020

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020006425
Date	Nov 12, 2020
Instrument	2020-006425

Lender

Name	SOUTHSTAR BANK SSB
Type	Bank
Address	MOULTON, TX 77975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244

Mortgage

Document Number	2024008273
Date	Oct 18, 2024
Instrument	2024-008273

Lender

Name	INSTAMORTGAGE.COM
Type	Mortgage Company
Address	SAN JOSE, CA 95117

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	1815 SANDY RANCH RD, HARWOOD, TX 78632-4382
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 PARROT TRL, ROUND ROCK, TX 78681-2745

Mortgage

Document Number	2023003683
Date	Jun 21, 2023
Instrument	2023-003683

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2038

July 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Jul 10, 2023
Property Address	2025 SANDY RANCH RD, HARWOOD, TX 78632-4244
Document Number	2023004230
Instrument Date	Jun 2, 2023
Instrument	2023-004230
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 N SCHOOL ST, DESLOGE, MO 63601-3545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 MORRIS SCHOOL RD, YOAKUM, TX 77995-5238

Mortgage

Document Number	2023004231
Date	Jul 10, 2023
Instrument	2023-004231

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Caldwell County
Unified School District	Lockhart Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,000.00 (-15.99%)
2025		$409,840 (-71.66%) Land $168,900 Building $240,940	$409,840 (-73%) Land $168,900 Building $240,940
2024	$7,142.00 (-23.75%)
2023	$9,367.00 (-17.43%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,446,335 (+10.09%) Land $629,550 Building $888,100	$1,517,650 (+15.52%) Land $629,550 Building $888,100
2022	$11,345.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,313,740 Land $475,650 Building $838,090	$1,313,740 Land $475,650 Building $838,090

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 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	5 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Mar 2018 · river or lake flooding

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	Moderate above 52% of the US · lower than 72% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Guadalupe Valley Electric Cooperative Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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