232 el Lago Rd, Chico, TX 76431 Property Records

Wise County property record for 232 el Lago Rd, Chico, TX 76431

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,264 sqft · built 2005
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,860 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0600.0127.00`

Property Details

APN / Parcel Number

Primary APN	`R0600.0127.00`
Alternative APNs	`000000758816` `R000028246` `758816`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,264 sqft Living Area
Gross Area	2,056 sqft
1st Floor Area	1,264 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	416 sqft
Deck Area	357 sqft
Storage Building	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000028246
Street Address	232 EL LAGO RD
City	CHICO
State	TX
Zip	76431-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 BLK 1 EL LAGO ESTATES
Legal Subdivision	EL LAGO ESTATES
Legal Block	1
Legal Lot Number	27
Jurisdiction	WISE TX
Township / Civil Division	BRIDGEPORT
Census Block Group	2
Census Block	2110
Census Tract	150405

Owner

Source: Wise County records, as of August 20, 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	232 EL LAGO RD, CHICO, TX 76431-2031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 19, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 23, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026
Deed Sale	Aug 7, 2026
Prior Sale	Dec 12, 2019
Deed Document Number	202612019
Prior Transfer Date	Jul 8, 2024
Prior Transfer Doc	0000009128
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Recording Date	Aug 11, 2026
Property Address	232 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000012176
Instrument Date	Aug 11, 2026
Instrument	202612176
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13778 TRAIL STONE LN, HASLET, TX 76052-4828

Mortgage

Document Number	0000012176,
Date	Aug 11, 2026
Instrument	202612176

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	Aug 7, 2026
Property Address	232 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000012019
Instrument Date	Aug 5, 2026
Instrument	202612019
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 EL LAGO RD, CHICO, TX 76431-2031

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WISE TX
Recording Date	Jan 19, 2021
Property Address	232 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000000914
Instrument Date	Jan 14, 2021
Instrument	914
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 PAM DR CHICO TX 764312008, CHICO, TX 76431-2008

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	232 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000002608
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 EL LAGO RD CHICO TX 764312031, CHICO, TX 76431-2031

Mortgage

Document Number	0000002608
Date	Mar 9, 2017
Instrument	2608

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 8, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Wise County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Wise County
Unified School District	Chico Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$406,351 (+1%)	$452,285 (-0.51%) Land $180,000 Building $272,285
2025	$2,860.00 (-0.45%)	$369,410 (+21%)	$454,583 (-2.59%) Land $180,000 Building $274,583
2024	$2,873.00 (-10.39%)
2023		$305,297	$466,690
2021	$3,206.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	6 (2015–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
AMA TechTel Communications Fixed Wireless	100 / 20

May also be available: Rise Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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