20898 Ebony Rd, Harlingen, TX 78550 Property Records

Cameron County property record for 20898 Ebony Rd, Harlingen, TX 78550

Property Summary

Property Type	Single Family Home
Details	4,470 sqft · built 1980
Lot Size	4.9 acres (213,749 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,064 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jan 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`976250-0000-001000`

Property Details

APN / Parcel Number

Primary APN	`976250-0000-001000`
Alternative APN	`204513`

Interior

Stories	1 Story
Building Area	4,470 sqft Living Area
Gross Area	5,133 sqft
1st Floor Area	4,470 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	213,749 sqft
Garage Type	Attached
Garage Area	663 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	1,150 sqft
Storage Building	64 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	20898 EBONY RD
City	HARLINGEN
State	TX
Zip	78550-1844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURVEY - GRACE SUBD LOT 1, 4.9070 ACRES
Legal Subdivision	GRACE
Legal Block	2
Legal Lot Number	1,4
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	2
Census Block	2060
Census Tract	10201

Owner

20898 Ebony Rd is owned and occupied by two individuals who acquired it in July 2016.

Source: Cameron County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20898 EBONY RD, HARLINGEN, TX 78550-1844
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD
Jan 10, 2017	Deed of Trust, Mortgage · Construction Mortgage TEXAS REGIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2016
Deed Sale	Jul 20, 2016
Deed Document Number	201625658
Deed Book / Page	21918 / 172
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	20898 EBONY RD, HARLINGEN, TX 78550-1844
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22828/259
Date	Aug 22, 2017
Book Page	22828/259
Instrument	2017-00032459

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	20898 EBONY RD, HARLINGEN, TX 78550-1844
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22298/029
Date	Jan 10, 2017
Book Page	22298/029
Instrument	2017-00001143

Lender

Name	TEXAS REGIONAL BANK
Type	Bank
Address	MCALLEN, TX 78502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Sep 30, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 20898 Ebony Rd was $8,064 with a homeowner's exemption.

Source: Cameron County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cameron County
Unified School District	Rio Hondo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$536,304 (+1%)	$545,212 (-) Land $179,533 Building $365,679
2025	$8,064.00 Homeowner's exemption	$487,549 Land $179,533 Building $365,679	$545,212 Land $179,533 Building $365,679
2023	$7,624.00 Homeowner's exemption Additional exemption filed	$463,542 Land $69,186 Building $394,356	$463,542 Land $69,186 Building $394,356
2022	$7,624.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20898 Ebony Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective July 18, 2018 · 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
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2019–2025)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Mar 2025 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2025 · 7 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

Wildfire risk around 20898 Ebony Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.02% 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	EAST RIO HONDO WSC serves 25,509 people · EPA ID TX0310096
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter resolved · Nov 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
VTX Communications Fixed Wireless	400 / 50
AT&T Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum.

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