328 Lay Rd, Lockhart, TX 78644 Property Records

Caldwell County property record for 328 Lay Rd, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,764 sqft · built 1979
Lot Size	2.47 acres (107,724 sqft)
Owner	Individual Name on Record
Last Sale	$291,100 (Apr 2015)
Tax Bill	$6,866 (2026)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0200009-257-000-00`

Property Details

APN / Parcel Number

Primary APN	`0200009-257-000-00`
Alternative APNs	`R13676` `13676`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,764 sqft Living Area
1st Floor Area	2,764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Georgian
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Reinforced Concrete
Lot Area	107,724 sqft (2.47 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	630 sqft
Patio Area	314 sqft
Gazebo	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13676
Street Address	328 LAY RD
City	LOCKHART
State	TX
Zip	78644-4080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A009 GEORGE, JAMES, ACRES 2.473
Legal Subdivision	GEORGE, JAMES
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	3
Census Block	3010
Census Tract	960200

Owner

Source: Caldwell County records, as of September 23, 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 Record
Mailing Address	328 LAY RD, LOCKHART, TX 78644-4080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2015 · Amount on Record
Deed Sale	Apr 17, 2015 · Amount on Record
Deed Document Number	20153264
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	328 LAY RD, LOCKHART, TX 78644-4080
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 LAY RD, LOCKHART, TX 78644-4080

Mortgage

Document Number	2022009054
Date	Nov 23, 2022
Instrument	2022-009054

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Caldwell County
Unified School District	Lockhart Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,866.00 (+24.25%)	$454,870 (-2.79%) Land $149,440 Building $305,430	$454,870 (-6.67%) Land $149,440 Building $305,430
2025		$467,935 (+21%) Land $139,870 Building $347,520	$487,390 (-1.69%) Land $139,870 Building $347,520
2024	$5,526.00 (+18.3%)
2023	$4,671.00 (-15.9%) Homeowner's exemption	$386,723 Land $136,250 Building $359,510	$495,760 Land $136,250 Building $359,510
2022	$5,554.00

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 June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Spry Air Fiber Fixed Wireless	250 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband.

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