20926 Montezuma Rd, Harlingen, TX 78550 Property Records

Cameron County property record for 20926 Montezuma Rd, Harlingen, TX 78550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,105 sqft · built 2001
Lot Size	1.98 acres (86,262 sqft)
Owner	2 Individual Names on File
Last Sale	$275,600 (Jun 2009)
Tax Bill	$2,843 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`972181-0010-007000`

Property Details

APN / Parcel Number

Primary APN	`972181-0010-007000`
Alternative APN	`202536`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,105 sqft Living Area
Gross Area	4,369 sqft
1st Floor Area	2,458 sqft
2nd Floor Area	647 sqft
Utility Area	432 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	86,262 sqft
Lot Dimensions	465 ft deep x 186 ft wide
Garage Type	Attached
Garage Area	864 sqft
Driveway	Concrete Driveway
Driveway Area	3,200 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	705 sqft
Deck Area	Deck Area
Storage Building	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20926 MONTEZUMA RD
City	HARLINGEN
State	TX
Zip	78550-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	E 1/2 OF LOT 6 AND LOT 7 BLK 1 BRIGGS ESTATES (CAB 1 SLOT 1920-A&B CCMR)
Legal Subdivision	BRIGGS ESTATES
Legal Block	1
Legal Lot Number	6,7
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	2
Census Block	2011
Census Tract	10204

Owner

20926 Montezuma Rd is owned and occupied by two individuals who bought it in June 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	20926 MONTEZUMA RD, HARLINGEN, TX 78550-1812
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
Jan 4, 2018	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Apr 8, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2009 · Amount on File
Deed Sale	Jun 2, 2009 · Amount on File
Prior Sale	Sep 16, 2005 · Amount on File
Deed Document Number	200922284
Deed Book / Page	16057 / 82
Prior Transfer Date	Apr 13, 2009
Prior Transfer Doc	16057/082
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	20926 MONTEZUMA RD, HARLINGEN, TX 78550-1812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23127/039
Date	Jan 4, 2018
Book Page	23127/039
Instrument	2018-00000536

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.62%
Index	1-Year CMT
Max Rate	7.62%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	20926 MONTEZUMA RD, HARLINGEN, TX 78550-1812
Transaction Type	Mortgage
Record Updated	Apr 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24126/267
Date	Apr 8, 2019
Book Page	24126/267
Instrument	2019-00013205

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20926 Montezuma Rd was $2,843 with exemptions applied, down 21.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Cameron County
Unified School District	Harlingen Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$376,858 (+1%)	$441,964 (+29%) Land $139,240 Building $302,724
2025	$2,843.00 (-21.42%) Homeowner's exemption Disabled Person's exemption	$342,598 Land $38,250 Building $304,348	$342,598 Land $38,250 Building $304,348
2024	$3,618.00 (-24.1%)
2023	$4,767.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed	$357,920 Land $38,250 Building $319,670	$357,920 Land $38,250 Building $319,670
2022	$4,767.00

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

Flood

FEMA maps place 20926 Montezuma Rd in Zone X, an area of minimal flood risk, though there have been 40 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 98 policies
Nearby Flood Policies	98 in force
Nearby Flood Claims	40 (2019–2026)
Claims Outside the SFHA	40 of 40
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2025 · 39 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 20926 Montezuma 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 97.4% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	HARLINGEN WATER WORKS SYSTEM serves 85,900 people · EPA ID TX0310002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Metronet Fiber	1,000 / 1,000
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
RGV Communications Fixed Wireless · Fiber in parts of the area	100 / 100
AT&T Fixed Wireless · DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Smartcom Telephone.

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