296 Spence Ln, Elgin, TX 78621 Property Records

Bastrop County property record for 296 Spence Ln, Elgin, TX 78621 · Last verified June 2026

Property Summary

Property Type	Mobile Home
Details	1,512 sqft · built 1997
Lot Size	6.11 acres (266,544 sqft)
Owner	Individual Name on File
Last Sale	$135,400 (Aug 2006)
Tax Bill	$3,153 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R59515`

Property Details

APN / Parcel Number

Primary APN	`R59515`
Alternative APN	`O0192965`

Interior

Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	266,544 sqft (6.11 acres)

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Deck Area	120 sqft
Storage Building	264 sqft
Pole Barn	276 sqft

Location & Zoning

Street Address	296 SPENCE LN
City	ELGIN
State	TX
Zip	78621-5052
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	A288 RAINS, JAMES, ACRES 6.1190 (28X56 REDMAN, SERIAL# 12326258A/B, PFS0475836/37) ACRES 6.1190
Legal Subdivision	RAINS, JAMES
Legal Block	2
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	950102

Owner

Source: Bastrop County records · APN R59515

Assessment roll updated May 26, 2026 · Last verified June 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 File
Mailing Address	296 SPENCE LN, ELGIN, TX 78621-5052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Apr 06, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2006 · Amount on Record
Deed Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	200612551
Deed Book / Page	1665 / 396
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	296 SPENCE LN, ELGIN, TX 78621-5052
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 SPENCE LN, ELGIN, TX 78621-5052

Mortgage

Document Number	0202603751
Date	Mar 10, 2026
Instrument	202603751

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	296 SPENCE LN, ELGIN, TX 78621-5052
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 SPENCE LN, ELGIN, TX 78621-5052

Mortgage

Document Number	0202402242
Date	Feb 15, 2024
Instrument	202402242

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2044

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	296 SPENCE LN, ELGIN, TX 78621-5052
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202207112
Date	Apr 06, 2022
Instrument	202207112

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2042

Tax Assessment & Valuation

Source: Bastrop County records · Assessment roll updated May 26, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,153.00 (-19.11%) Homeowner's exemption Senior Citizen's exemption	$326,599 (-2.43%)	$341,435 (+2%) Land $249,335 Building $92,100
2024	$3,898.00
2023	Homeowner's exemption	$334,746 Land $235,451 Building $99,295	$334,746 Land $235,451 Building $99,295
2022	$4,363.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bastrop County (48021C), updated April 22, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 23% of Texas
Wildfire Likelihood	About 1 in 1,124 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: SOS Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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