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324 E Arroyo Dr, Harlingen, TX 78550 Property Records

Cameron County property record for 324 E Arroyo Dr, Harlingen, TX 78550 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,825 sqft · built 2020
Lot Size0.868 acres (37,796 sqft)
OwnerIndividual Name on File
Deeds & MortgagesFeb 2021 Mortgage
Mar 2023 Transfer
Flood ZoneZone X (minimal risk)
APN178720-0440-044000

Property Details

APN / Parcel Number

Primary APN178720-0440-044000
Alternative APN
  • 71157

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,825 sqft Living Area
Gross Area2,325 sqft
1st Floor Area1,250 sqft
2nd Floor Area575 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialWood
Roof TypeGable
Lot Area37,796 sqft (0.868 acres)
Garage TypeAttached
Garage Area500 sqft
DrivewayConcrete Driveway
Driveway Area2,124 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Storage Building160 sqft

Location & Zoning

Street Address324 E ARROYO DR
CityHARLINGEN
StateTX
Zip78550-7745
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFINWOOD HEIGHTS SUBDIVISION - S 50 LOT 44 & ALL 45-46
Legal SubdivisionFINWOOD HEIGHTS SUBDIVISION
Legal Block44
Legal Lot Number44
JurisdictionCAMERON TX
Township / Civil DivisionHARLINGEN-SAN BENITO
Census Block Group2
Census Block2016
Census Tract11801

Owner

Source: Cameron County records · APN 178720-0440-044000

Assessment roll updated August 13, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address324 E ARROYO DR, HARLINGEN, TX 78550-7745
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Mar 29, 2023Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateMar 23, 2023
Transfer Doc0202311071
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAMERON TX
Property Address324 E ARROYO DR, HARLINGEN, TX 78550-7745
Transaction TypeMortgage
Record UpdatedSep 14, 2023
Title CompanySAN JACINTO TITLE SERVICES-HOLLY, SAN JACINTO TTL SVCS HARLING

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0202107837
DateFeb 25, 2021
Instrument2021-07837
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

March 2023: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionCAMERON TX
Recording DateMar 29, 2023
Property Address324 E ARROYO DR, HARLINGEN, TX 78550-7745
Document Number0202311071
Map ReferenceVOL 7 PG 21
Instrument DateMar 23, 2023
Instrument2023-11071
Transaction TypeTransfer
Record UpdatedSep 14, 2023

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address324 E ARROYO DR, HARLINGEN, TX 78550-7745

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 E ARROYO DR, HARLINGEN, TX 78550-7745

Tax Assessment & Valuation

Source: Cameron County records · Assessment roll updated August 13, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateTexas
CountyCameron County
MunicipalityHarlingen City
Unified School DistrictHarlingen Consolidated 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.

YearTax BillAssessed ValueAssessed Market Value
2026$241,888 (+1%)$272,429 (-) Land $94,490 Building $177,939
2025Homeowner's exemption Senior Citizen's exemption Veteran's exemption$219,898 (+3.42%)$272,429 (+28.12%) Land $94,490 Building $177,939
2023$212,633 Land $31,182 Building $181,451$212,633 Land $31,182 Building $181,451

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cameron County (48061C), updated July 18, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480610118012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 28 individual NFIP policies nearby
Nearby Flood Policies28 in force
Nearby Flood Claims18 (1980–2025)
Claims Outside the SFHA13 of 18
Most Recent ClaimMar 2025, rainfall accumulation, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Mar 2025 · 3 claims
  • Severe Storms, Tornadoes & Flooding, Apr 1991 · 8 claims

Wildfire

Wildfire RiskLow
above 5% of the US · above 3% of Texas
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 328 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
Valley Telephone Cooperative, Inc. (TX)Fixed Wireless400 / 50
Innercity FibernetFixed Wireless (unlicensed)100 / 100

May also be available at this address: Verizon, Innercity Fibernet, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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