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232 Reef Band Dr, Kyle, TX 78640 Property Records

Hays County property record for 232 Reef Band Dr, Kyle, TX 78640

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,784 sqft · built 2023
Lot Size0.121 acres (5,271 sqft)
Owner2 Individual Names on File
Tax Bill$8,913 (2024)
Deeds & MortgagesMar 2026 Mortgage
Oct 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN11222100NN000172

Property Details

APN / Parcel Number

Primary APN11222100NN000172
Alternative APN
  • R191288

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,784 sqft Living Area
Gross Area2,183 sqft
1st Floor Area1,784 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,271 sqft (0.121 acres)
Garage TypeAttached
Garage Area399 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR191288
Street Address232 REEF BAND DR
CityKYLE
StateTX
Zip78640-3396
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCROSSWINDS PHASE FOUR-A, BLOCK NN, LOT 17, ACRES 0.121
Legal SubdivisionCROSSWINDS PHASE FOUR-A
Legal Phase4
Legal BlockNN
Legal Lot Number17
JurisdictionHAYS TX
Township / Civil DivisionKYLE-BUDA
Census Block Group2
Census Block2001
Census Tract10919

Owner

232 Reef Band Dr is owned and occupied by two individuals who acquired it in October 2023.

Source: Hays County records, as of March 30, 2026

Owner of Record2 Individual Names on File
Mailing Address232 REEF BAND DR, KYLE, TX 78640-3396
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 18, 2026Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Oct 13, 2023Vendor's Lien, Subdivision Related Transfer · FHA Mortgage
CRESTMARK MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 13, 2023
Deed SaleOct 13, 2023
Deed Document Number202337727
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAYS TX
Property Address232 REEF BAND DR, KYLE, TX 78640-3396
Transaction TypeMortgage
Record UpdatedMar 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 REEF BAND DR, KYLE, TX 78640-3396

Mortgage

Document Number0000009180
DateMar 18, 2026
Instrument26009180
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term334 Months
DueJan 1, 2054

October 2023: Vendor's Lien, Subdivision Related Transfer

Document TypeVendor's Lien
JurisdictionHAYS TX
Recording DateOct 13, 2023
Property Address232 REEF BAND DR, KYLE, TX 78640-3396
Document Number0000037727
Map ReferenceDOC 22052852
Instrument DateOct 13, 2023
Instrument23037727
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 3, 2023

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 REEF BAND DR, KYLE, TX 78640-3396

Mortgage

Document Number0000037729
DateOct 13, 2023
Instrument23037729
Lender
NameCRESTMARK MORTGAGE COMPANY LTD
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2053

Tax Assessment & Valuation

Source: Hays County assessment roll, as of December 26, 2025

Property Jurisdictions

TypeName
StateTexas
CountyHays County
Unified School DistrictHays Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$368,560 Land $92,750 Building $275,810$368,560 Land $92,750 Building $275,810
2024$8,913.00

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

Flood

FEMA maps place 232 Reef Band Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective May 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2015)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 232 Reef Band Dr is moderate, ranking above 54% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 54% of the US · lower than 68% of Texas
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 455 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Astound Broadband.

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