238 el Lago Rd, Chico, TX 76431 Property Records

Wise County property record for 238 el Lago Rd, Chico, TX 76431

Property Summary

Property Type	Single Family Home
Details	2,443 sqft · built 2021
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,148 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0600.0132.00`

Property Details

APN / Parcel Number

Primary APN	`R0600.0132.00`
Alternative APNs	`000000758821` `R000028251` `758821`

Interior

Stories	2 Stories
Building Area	2,443 sqft Living Area
Gross Area	3,457 sqft
1st Floor Area	1,057 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	37,897 sqft (0.87 acres)
Lot Dimensions	344 ft deep x 113 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,014 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	300 sqft
Deck Area	625 sqft
Storage Building	24 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000028251
Street Address	238 EL LAGO RD
City	CHICO
State	TX
Zip	76431-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32R BLK 1 EL LAGO ESTATES
Legal Subdivision	EL LAGO ESTATES
Legal Block	1
Legal Lot Number	32R
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 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	238 EL LAGO RD, CHICO, TX 76431-2031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage LHM FIN'L
May 15, 2020	Warranty Deed, Transfer GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.
Aug 16, 2017	Warranty Deed, Transfer FIRST UNITED BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020
Deed Sale	May 15, 2020
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	20205965
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	238 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000000352
Instrument Date	Dec 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	238 EL LAGO RD CHICO TX 764312031, CHICO, TX 76431-2031

Mortgage

Document Number	0000000352
Date	Jan 11, 2021
Instrument	352

Lender

Name	LHM FIN'L
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	May 15, 2020
Property Address	238 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000005965
Instrument Date	May 11, 2020
Instrument	5965
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 EL LAGO RD CHICO TX 764312031, CHICO, TX 76431-2031

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	Aug 16, 2017
Property Address	238 EL LAGO RD, CHICO, TX 76431-2031
Document Number	0000009177
Instrument Date	Aug 15, 2017
Instrument	9177
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	WISE COUNTY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1057 VAN ZANDT CT HASLET TX 760524140, HASLET, TX 76052-4140

Mortgage

Document Number	9178
Date	Aug 16, 2017
Instrument	9178

Lender

Name	FIRST UNITED BK
Type	Bank
Address	DURANT, OK 74701

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

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		$736,921 (+1%)	$839,316 (-0.71%) Land $248,380 Building $590,936
2025	$6,148.00 (+4.17%) Homeowner's exemption	$669,928 (+21.06%)	$845,340 (+6.96%) Land $248,380 Building $596,960
2024	$5,902.00 (+61.96%)
2023		$553,402	$790,321
2021	$3,644.00

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 100 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	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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

5G and 4G LTE (outdoors only)

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