Kerr County property record for 21 E River Oaks Ln, Ingram, TX 78025
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,352 sqft · built 2020 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $371,900 (Sep 2021) |
| Tax Bill | $4,154 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5905-0000-021000 |
| Primary APN | 5905-0000-021000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,352 sqft Living Area |
| Gross Area | 1,544 sqft |
| 1st Floor Area | 1,352 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 5905-0000-021000 |
|---|---|
| Street Address | 21 E RIVER OAKS LN |
| City | INGRAM |
| State | TX |
| Zip | 78025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER OAKS LODGE LOT 21 + .0333% INT IN COMMON ACRES .43 |
| Legal Subdivision | RIVER OAKS LODGE |
| Legal Lot Number | 21 |
| Jurisdiction | KERR TX |
| Township / Civil Division | INGRAM |
| Census Block Group | 2 |
| Census Block | 2107 |
| Census Tract | 960304 |
Source: Kerr County records, as of December 2, 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 Record |
|---|---|
| Mailing Address | PO BOX 1347, INGRAM, TX 78025-1347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2020 | Deed of Trust, Mortgage SECURITY STATE BANK & TRUST |
| Sep 2, 2021 | Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 26, 2020 | Vendor's Lien, Transfer · Conventional Mortgage TEXAS HILL COUNTRY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2021 · Amount on Record |
| Deed Sale | Sep 2, 2021 · Amount on Record |
| Prior Sale | Aug 26, 2020 · Amount on Record |
| Deed Document Number | 20217856 |
| Prior Transfer Date | Aug 27, 2021 |
| Prior Transfer Doc | 0000007856 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERR TX |
| Property Address | 21 E RIVER OAKS LN, INGRAM, TX 78025 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Title Company | KERR COUNTY ABSTRACT AND TITLE COMPANY, KERR CNTY ABSTRACT & TTL CO |
| Name | Verified Name |
|---|---|
| Address | 212 RIVERHILL BLVD, KERRVILLE, TX 78028-6531 |
| Document Number | 20000049 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 20-000049 |
| Name | SECURITY STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FREDERICKSBURG, TX 78624 |
| Amount | Amount Recorded |
|---|
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | KERR TX |
| Recording Date | Sep 2, 2021 |
| Property Address | 21 E RIVER OAKS LN, INGRAM, TX 78025 |
| Document Number | 21007856 |
| Map Reference | VOL 4 PG 283 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 21-007856 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | KERR COUNTY ABSTRACT AND TITLE COMPANY, KERR CNTY ABSTRACT & TTL CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 MOHABO RD, CENTER POINT, TX 78010-5513 |
| Document Number | 21007857 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 21-007857 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | KERR TX |
| Recording Date | Aug 26, 2020 |
| Property Address | 21 E RIVER OAKS LN, INGRAM, TX 78025 |
| Document Number | 20006170 |
| Map Reference | VOL 4 PG 283 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 20-006170 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | KERR COUNTY ABSTRACT AND TITLE COMPANY, KERR CNTY ABSTRACT & TTL CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | GENERAL DELIVERY, INGRAM, TX 78025-9999 |
| Document Number | 20006171 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 20-006171 |
| Name | TEXAS HILL COUNTRY BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Kerr County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Kerr County |
| Unified School District | Hunt Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,154.00 (+15.52%) Homeowner's exemption | $348,128 (-4.21%) Land $85,000 Building $263,128 | $348,128 (-4.21%) Land $85,000 Building $263,128 |
| 2024 | $3,596.00 (+2.33%) | ||
| 2023 | $3,514.00 Homeowner's exemption | $363,429 Land $40,000 Building $323,429 | $363,429 Land $40,000 Building $323,429 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · 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 Record median of 69 policies |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 26 (2024–2026) |
| Claims Outside the SFHA | 9 of 26 |
| Most Recent Claim | Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 44% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hill Country Telecommunications Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| VTX Communications Fixed Wireless | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
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