McLennan County property record for 2146 Ross Rd, Elm Mott, TX 76640
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,294 sqft · built 1994 |
| Lot Size | 1.56 acres (68,388 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $441,373 (Oct 2023) |
| Tax Bill | $2,476 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 50-004400-001902-6 |
| Primary APN | 50-004400-001902-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,294 sqft Living Area |
| Gross Area | 2,870 sqft |
| 1st Floor Area | 2,294 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Reinforced Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 68,388 sqft |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 403 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2146 ROSS RD |
|---|---|
| City | ELM MOTT |
| State | TX |
| Zip | 76640-3463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WEBB J ACRES 1.57 |
| Legal Subdivision | WEBB J |
| Jurisdiction | MCLENNAN TX |
| Township / Civil Division | WEST |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 4202 |
Source: McLennan County records, as of August 24, 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 | 2146 ROSS RD, ELM MOTT, TX 76640-3463 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 31, 2023 | Vendor's Lien, Transfer · Conventional Mortgage SFMC LP |
| Sep 23, 2021 | Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Aug 17, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on Record |
| Deed Sale | Oct 31, 2023 · Amount on Record |
| Deed Document Number | 202333884 |
| Prior Transfer Date | Sep 16, 2021 |
| Prior Transfer Doc | 0000038823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Property Address | 2146 ROSS RD, ELM MOTT, TX 76640-3463 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000002511 |
|---|---|
| Date | Jan 29, 2026 |
| Instrument | 2026002511 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 17, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Oct 31, 2023 |
| Property Address | 2146 ROSS RD, ELM MOTT, TX 76640 |
| Document Number | 0000033884 |
| Map Reference | DOC 2021038823 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2023033884 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2146 ROSS RD, ELM MOTT, TX 76640 |
| Document Number | 0000033885 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023033885 |
| Name | SFMC LP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Sep 23, 2021 |
| Property Address | 2146 ROSS RD, ELM MOTT, TX 76640 |
| Document Number | 0000038823 |
| Instrument Date | Sep 16, 2021 |
| Instrument | 2021038823 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 11, ROSS, TX 76684-0011 |
| Document Number | 0000038824 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2021038824 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.41% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2021 |
| Change Frequency | Annually |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCLENNAN TX |
| Recording Date | Aug 17, 2020 |
| Property Address | 2146 ROSS RD, ELM MOTT, TX 76640 |
| Document Number | 0000028374 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 28374 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2146 ROSS RD ELM MOTT TX 76640, ELM MOTT, TX 76640 |
Source: McLennan County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | McLennan County |
| Municipality | Ross City |
| Unified School District | West Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $300,000 (-) Land $39,620 Building $260,380 | $300,000 (-) Land $39,620 Building $260,380 | |
| 2025 | $2,476.00 (-50.01%) Homeowner's exemption | $300,000 (-20.99%) Land $39,620 Building $260,380 | $300,000 (-20.99%) Land $39,620 Building $260,380 |
| 2024 | $4,953.00 (-8.7%) | ||
| 2023 | $379,720 Land $39,570 Building $340,150 | $379,720 Land $39,570 Building $340,150 | |
| 2022 | $5,425.00 |
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 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 | 4 in force |
| Nearby Flood Claims | 2 (1997–2001) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2001 · rainfall accumulation |
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 53% of the US · lower than 69% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROSS WSC serves 2,811 people · EPA ID TX1550042 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Central Link Broadband Fixed Wireless | 100 / 20 |
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