2874 FM 1704, Elgin, TX 78621 Property Records

Bastrop County property record for 2874 FM 1704, Elgin, TX 78621

Property Summary

Property Type	Rural Home
Details	2,310 sqft · built 2004
Lot Size	16 acres (699,269 sqft)
Owner	Company Name on Record
Last Sale	$545,300 (Dec 2025)
Tax Bill	$1,837 (2025)
Deeds & Mortgages	Mar 2005 Mortgage Jul 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R84264`

Property Details

APN / Parcel Number

Primary APN	`R84264`
Alternative APN	`O0113478`

Interior

Stories	1 Story
Building Area	2,310 sqft Living Area
Gross Area	2,653 sqft
1st Floor Area	2,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Material	Metal
Lot Area	699,269 sqft (16 acres)

Exterior Amenities

Porch	Covered Porch
Porch Area	367 sqft
Deck Area	44 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2874 FM 1704
City	ELGIN
State	TX
Zip	78621-5812
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TOWERING OAKS ESTATES TWO, LOT 18, ACRES 16.0530
Legal Subdivision	S8131 - TOWERING OAKS ESTATES TWO
Legal Block	2
Legal Lot Number	18
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
Census Tract	950101

Owner

Source: Bastrop County records, as of May 26, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1224 HAVRE LAFITTE DR, AUSTIN, TX 78746-6859
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF BASTROP
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 18, 2025	Vendor's Lien, Transfer FIRST NATIONAL BANK TEXAS
Mar 12, 2025	Warranty Deed, Transfer
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on Record
Deed Sale	Dec 18, 2025 · Amount on Record
Deed Document Number	202520863
Prior Transfer Date	Mar 5, 2025
Prior Transfer Doc	0202504341
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	2874 FM 1704, ELGIN, TX 78621-5812
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	ALAMO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001520/644
Date	Mar 29, 2005
Book Page	1520/644
Instrument	200504549

Lender

Name	FIRST NATIONAL BANK OF BASTROP
Type	Bank
Address	BASTROP, TX 78602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	2874 FM 1704, ELGIN, TX 78621-5812
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201709895
Date	Jul 10, 2017
Instrument	201709895

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

December 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BASTROP TX
Recording Date	Dec 18, 2025
Property Address	2874 FM 1704, ELGIN, TX 78621-5812
Document Number	0202520863
Map Reference	CAB 3 PG 151B
Instrument Date	Dec 9, 2025
Instrument	202520863
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	AUSTIN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 HAVRE LAFITTE DR, AUSTIN, TX 78746-6859

Mortgage

Date	Dec 18, 2025

Lender

Name	FIRST NATIONAL BANK TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BASTROP TX
Recording Date	Mar 12, 2025
Property Address	2874 FM 1704, ELGIN, TX 78621-5812
Document Number	0202504341
Map Reference	CAB 3 PG 151-B
Instrument Date	Mar 5, 2025
Instrument	202504341
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 CABELAS DR APT 203, 203, BUDA, TX 78610-2264

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	2874 FM 1704, ELGIN, TX 78621-5812
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201709895
Date	Jul 10, 2017
Instrument	201709895

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Bastrop County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bastrop County
Unified School District	Elgin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,837.00 (+30.47%)	$299,378 (-7.85%) Land $26,629 Building $272,749	$683,445 (-3.59%) Land $410,696 Building $272,749
2024	$1,408.00
2023	Homeowner's exemption Senior Citizen's exemption	$324,898 Land $26,668 Building $298,230	$708,926 Land $410,696 Building $298,230
2022	$3,197.00

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 April 22, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Oct 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Oct 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 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	AQUA WSC serves 86,325 people · EPA ID TX0110013
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highline Internet Fiber	1,000 / 200

May also be available: VTX Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on FM 1704

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures