2146 Stone Oak, Fredericksburg, TX 78624 Property Records

Gillespie County property record for 2146 Stone Oak, Fredericksburg, TX 78624

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,453 sqft · built 2005
Lot Size	0.277 acres (12,066 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,382 (2026)
Deeds & Mortgages	Dec 2018 Line of Credit Oct 2023 Sale + 2 more
APN	`S1494-0000-018400`

Property Details

APN / Parcel Number

Primary APN	`S1494-0000-018400`
Alternative APN	`88933`

Interior

Full Baths	1 Bath
Building Area	2,453 sqft Living Area
Gross Area	4,070 sqft
1st Floor Area	2,453 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asbestos
Lot Area	12,066 sqft (0.277 acres)
Lot Dimensions	115 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	408 sqft
Porch	Slab
Porch Area	102 sqft
Patio Area	632 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	S1494-0000-018400
Street Address	2146 STONE OAK
City	FREDERICKSBURG
State	TX
Zip	78624-2956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONE RIDGE #4 LOT 184, .277
Legal Subdivision	STONE RIDGE #4
Legal Lot Number	184
Jurisdiction	GILLESPIE TX
Township / Civil Division	FREDERICKSBURG
Census Block Group	1
Census Block	1027
Census Tract	950401

Owner

2146 Stone Oak is owned and occupied by two individuals who acquired it in June 2025.

Source: Gillespie County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956
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
Dec 6, 2018	Deed of Trust, Mortgage · Line of Credit GUADALUPE BANK
Oct 10, 2023	Warranty Deed, Transfer
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRSTCAPITAL BANK OF TEXAS NA
Jan 9, 2020	Vendor's Lien, Transfer · Construction Mortgage JOHNSON CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025
Deed Sale	Jun 20, 2025
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	20252958
Prior Transfer Date	Jan 9, 2020
Prior Transfer Doc	0020200144
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Property Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3377, FREDERICKSBURG, TX 78624-1933

Mortgage

Document Number	0020186308
Date	Dec 6, 2018
Instrument	20186308

Lender

Name	GUADALUPE BANK
Type	Non-Lending Institution
Address	KERRVILLE, TX 78028

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILLESPIE TX
Recording Date	Oct 10, 2023
Property Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956
Document Number	0020236014
Map Reference	VOL 3 PG 181
Instrument Date	Oct 6, 2023
Instrument	20236014
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2146 STONE OAK, FREDERICKSBRG, TX 78624-2956

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILLESPIE TX
Recording Date	Nov 17, 2020
Property Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956
Document Number	0020207048
Map Reference	VOL 3 PG 156
Instrument Date	Nov 13, 2020
Instrument	20207048
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956

Mortgage

Document Number	0020207049
Date	Nov 17, 2020
Instrument	20207049

Lender

Name	FIRSTCAPITAL BANK OF TEXAS NA
Type	Bank

Agreement

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

January 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GILLESPIE TX
Recording Date	Jan 9, 2020
Property Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956
Document Number	0020200144
Map Reference	VOL 3 PG 156
Instrument Date	Jan 9, 2020
Instrument	20200144
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2146 STONE OAK, FREDERICKSBURG, TX 78624-2956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 N OAK TRL, FREDERICKSBURG, TX 78624-5888

Mortgage

Document Number	0020200143
Date	Jan 9, 2020
Instrument	20200143

Lender

Name	JOHNSON CITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.04%
Type Change Date	Jan 9, 2026
Change Frequency	5 Years
Min Rate At Change	5.04%
Max Rate At Change	8.04%
Index	Prime Rate
Max Rate	11%

Tax Assessment & Valuation

The 2026 property tax bill for 2146 Stone Oak was $8,382 with exemptions applied.

Source: Gillespie County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Gillespie County
Municipality	Fredericksburg City
Unified School District	Fredericksburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,382.00 Homeowner's exemption Senior Citizen's exemption	$657,870 (-6.97%) Land $112,900 Building $544,970	$657,870 (-6.97%) Land $112,900 Building $544,970
2025		$707,190 Land $112,900 Building $594,290	$707,190 Land $112,900 Building $594,290
2024	$7,706.00 (+13.86%)
2023	$6,768.00 (-15.2%) Homeowner's exemption	$615,769 Land $112,900 Building $601,710	$714,610 Land $112,900 Building $601,710
2022	$7,981.00

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

Flood

FEMA has no flood map on file for 2146 Stone Oak; there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · other causes

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 2146 Stone Oak is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 49% of Texas
Wildfire Likelihood	0.2% 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	CITY OF FREDERICKSBURG serves 12,360 people · EPA ID TX0860001
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
VTX Communications Fixed Wireless	940 / 940
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hill Country Telecommunications, NexStream.

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