2705 S J St, McAllen, TX 78503 Property Records

Hidalgo County property record for 2705 S J St, McAllen, TX 78503

Property Summary

Property Type	Duplex
Details	2,880 sqft · built 2018
Lot Size	0.251 acres (10,940 sqft)
Owner	Individual Name on Record
Tax Bill	$9,830 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2025 Second Mortgage + 2 more
APN	`H196500000009700`

Property Details

APN / Parcel Number

Primary APN	`H196500000009700`
Alternative APN	`1124793`

Interior

Full Baths	8 Baths
Units	4 Units
Stories	2 Stories
Building Area	5,130 sqft Living Area
1st Floor Area	2,052 sqft
2nd Floor Area	1,440 sqft
Flooring	Tile

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Duplex Single
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,940 sqft (0.251 acres)
Garage Type	Carport
Garage Area	324 sqft
Carport	Carport
Carport Area	324 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2705 S J ST
City	MCALLEN
State	TX
Zip	78503-2065
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HEIGHTS AT MCCOLL LOT 97
Legal Subdivision	HEIGHTS AT MCCOLL - SPA
Legal Block	3
Legal Lot Number	97
Jurisdiction	HIDALGO TX
Township / Civil Division	MCALLEN-PHARR
Census Block Group	3
Census Block	3000
Census Tract	21203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Louisiana-Rio Grande Canal Company Irrigation System listed 1995 · 3 contributing resources · NRIS 95001284

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hidalgo County records, as of September 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2705 S J ST, 4, MCALLEN, TX 78503-2066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD
Jan 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RALLY CU
Feb 13, 2019	Deed of Trust, Mortgage · FHA Mortgage CORNERSTONE HM LNDG
Feb 13, 2019	Deed of Trust, Mortgage · FHA Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIDALGO TX
Property Address	2705 S J ST, MCALLEN, TX 78503-2065
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003212541
Date	Apr 13, 2021
Instrument	3212541

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIDALGO TX
Property Address	2705 S J ST, MCALLEN, TX 78503-2065
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705S S J ST, MCALLEN, TX 78503-1460

Mortgage

Document Number	0003612182
Date	Jan 8, 2025
Instrument	3612182

Lender

Name	RALLY CU
Type	Credit Union
Address	CORPUS CHRISTI, TX 78414

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIDALGO TX
Property Address	2705 S J ST, MCALLEN, TX 78503-2065
Document Number	0002987589
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	SIERRA TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 S J ST MCALLEN TX 785032065, MCALLEN, TX 78503-2065

Mortgage

Document Number	0002987589
Date	Feb 14, 2019
Instrument	2987589

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIDALGO TX
Property Address	2705 S J ST, MCALLEN, TX 78503-2065
Document Number	0003038136
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	SIERRA TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 S J ST #8 MCALLEN TX 785032065, 8, MCALLEN, TX 78503-2065

Mortgage

Document Number	0003038136
Date	Aug 8, 2019
Instrument	3038136

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

Tax Assessment & Valuation

Source: Hidalgo County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Hidalgo County
Municipality	McAllen City
Unified School District	Pharr-San Juan-Alamo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$693,614 (+17.75%)	$712,871 (+13.05%) Land $147,690 Building $565,181
2025	$9,830.00 (+6.44%) Homeowner's exemption	$589,069 (+64.54%) Land $147,697 Building $482,883	$630,580 (+76.14%) Land $147,697 Building $482,883
2024	$9,235.00 (+8.85%)
2023	$8,484.00 (+13.54%)	$358,000 Land $134,569 Building $223,431	$358,000 Land $134,569 Building $223,431
2022	$7,472.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	20 (2018–2025)
Claims Outside the SFHA	20 of 20
Most Recent Claim	Mar 2025 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2025 · 17 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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MCALLEN PUBLIC UTILITY serves 145,050 people · EPA ID TX1080006
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TWIN Fixed Wireless	400 / 100
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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