3103 E Cobblestone Creek Dr, Harlingen, TX 78550 Property Records

Cameron County property record for 3103 E Cobblestone Creek Dr, Harlingen, TX 78550

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,817 sqft · built 1994
Lot Size	0.55 acres (23,970 sqft)
Owner	Individual Name on Record
Last Sale	$860,776 (Jul 2022)
Tax Bill	$10,598 (2025)
Deeds & Mortgages	May 2018 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166170-0010-016000`

Property Details

APN / Parcel Number

Primary APN	`166170-0010-016000`
Alternative APN	`68845`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,817 sqft Living Area
Gross Area	6,751 sqft
1st Floor Area	3,869 sqft
2nd Floor Area	10,061 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Lot Area	23,970 sqft (0.55 acres)
Lot Dimensions	134 ft deep x 179 ft wide
Garage Type	Attached
Garage Area	934 sqft
Driveway	Concrete Driveway
Driveway Area	1,500 sqft
Parking Spaces	4 Parking Spaces
Pool Area	570 sqft
Porch	Open Porch
Porch Area	547 sqft

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	3103 E COBBLESTONE CREEK DR
City	HARLINGEN
State	TX
Zip	78550-7412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-C
Legal Description	HARLINGEN - COBBLE STONE CREEK LOT 16 & LOT 16A BLK 1
Legal Subdivision	COBBLESTONE CREEK SUBDIVISION
Legal Block	1
Legal Lot Number	16
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	1
Census Block	1019
Census Tract	11402

Owner

Source: Cameron County records, as of August 13, 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	Individual Name on Record
Mailing Address	3103 E COBBLESTONE CREEK DR, HARLINGEN, TX 78550-7412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	202230522
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	3103 E COBBLESTONE CREEK DR, HARLINGEN, TX 78550-7412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE/CAMERON COUNTY INC, STEWART TITLE OF CAMERON COU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23394/200
Date	May 3, 2018
Book Page	23394/200
Instrument	2018-00016555

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	3103 E COBBLESTONE CREEK DR, HARLINGEN, TX 78550-7412
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202025980
Date	Jul 30, 2020
Instrument	2020-25980

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Cameron County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cameron County
Municipality	Harlingen City
Unified School District	Harlingen Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$618,969 (-1.67%) Land $154,609 Building $464,360	$618,969 (-1.67%) Land $154,609 Building $464,360
2025	$10,598.00 (-7.81%) Homeowner's exemption Senior Citizen's exemption	$629,452 (+5.9%) Land $154,609 Building $474,843	$629,452 (+5.9%) Land $154,609 Building $474,843
2023	$11,496.00 (+13.19%) Homeowner's exemption Additional exemption filed	$594,387 Land $109,065 Building $485,322	$594,387 Land $109,065 Building $485,322
2022	$10,156.00

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 July 18, 2018 · 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 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	10 (2008–2025)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Mar 2025 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2025 · 8 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	0.02% 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	HARLINGEN WATER WORKS SYSTEM serves 85,900 people · EPA ID TX0310002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
VTX Communications Fixed Wireless	400 / 50
RGV Communications Fixed Wireless	100 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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