2820 Ave K, Bay City, TX 77414 Property Records

Matagorda County property record for 2820 Ave K, Bay City, TX 77414

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,818 sqft · built 1940
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Oct 2018)
Tax Bill	$7,470 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3082-0050-000400`

Property Details

APN / Parcel Number

Primary APN	`3082-0050-000400`
Alternative APN	`40649`

Interior

Full Baths	3 Baths
Building Area	2,818 sqft Living Area
Gross Area	3,802 sqft
1st Floor Area	1,978 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,041 sqft (0.506 acres)
Lot Dimensions	150 ft deep x 147 ft wide
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3082-0050-000400
Street Address	2820 AVENUE K
City	BAY CITY
State	TX
Zip	77414-6710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOORES 2ND LOTS 4-6 (LESS N 3' LOT 4) BLK 5
Legal Subdivision	D P MOORES SECOND ADDITION
Legal Block	5
Legal Lot Number	4
Jurisdiction	MATAGORDA TX
Township / Civil Division	BAY CITY
Census Block Group	2
Census Block	2014
Census Tract	730301

Owner

Source: Matagorda County records, as of October 21, 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	2820 AVENUE K, BAY CITY, TX 77414-6710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit BAYCEL FEDERAL CREDIT UNION
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage GATEWAY FIRST BANK
Jul 17, 2019	Deed of Trust, Mortgage · VA Mortgage SCOTT GESELL
Oct 17, 2018	Vendor's Lien, Transfer · VA Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on Record
Deed Sale	Oct 17, 2018 · Amount on Record
Prior Sale	Dec 27, 2013
Deed Document Number	20186342
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Recording Date	Sep 21, 2026
Property Address	2820 AVENUE K, BAY CITY, TX 77414-6710
Document Number	0000005069
Instrument Date	Aug 25, 2026
Instrument	20265069
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 AVENUE K, BAY CITY, TX 77414-6710

Mortgage

Document Number	0000005069,
Date	Sep 21, 2026
Instrument	20265069

Lender

Name	BAYCEL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 25, 2041

Interest

Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	2820 AVENUE K, BAY CITY, TX 77414-6710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BCAT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020004499
Date	Aug 12, 2020
Instrument	2020-004499

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2045

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	2820 AVENUE K, BAY CITY, TX 77414-6710
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	BAY CITY ABSTRACT AND TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019003798
Date	Jul 17, 2019
Instrument	2019-003798

Lender

Name	SCOTT GESELL
Type	Private Party
Address	244 S GATEWAY PL, JENKS, OK 74037

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2044

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MATAGORDA TX
Recording Date	Oct 17, 2018
Property Address	2820 AVENUE K, BAY CITY, TX 77414-6710
Document Number	2018006342
Map Reference	VOL 8 PG 319
Instrument Date	Oct 17, 2018
Instrument	2018-006342
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	BAY CITY ABSTRACT & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6602 AUBURN TERRACE LN, 6602, ROSENBERG, TX 77471-1678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 543, BLESSING, TX 77419-0543

Mortgage

Document Number	2018006343
Date	Oct 17, 2018
Instrument	2018-006343

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Matagorda County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,470.00 (+714.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$337,395 (+7.58%)	$341,830 (+9%) Land $44,100 Building $297,730
2025	$917.00 (-82.62%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$313,610 (+5.29%) Land $49,980 Building $263,630	$313,610 (+5.29%) Land $49,980 Building $263,630
2023		$297,860 Land $29,400 Building $268,460	$297,860 Land $29,400 Building $268,460
2022	$5,276.00

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 January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	9 (1984–2019)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jun 2019 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 3 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	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	CITY OF BAY CITY serves 18,061 people · EPA ID TX1610001
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Apr 2024
Treatment and Procedure	Coliform assessment Aug 2025
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Sparklight Cable	1,000 / 50
TISD Fixed Wireless	400 / 100
Skynet Fixed Wireless	100 / 50

May also be available: Nextlink, YK Communications.

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