3405 Penelope Dr, Harlingen, TX 78552 Property Records

Cameron County property record for 3405 Penelope Dr, Harlingen, TX 78552

Property Summary

Property Type	Single Family Home
Details	1,380 sqft
Lot Size	0.166 acres (7,225 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Jun 2025 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`984157-0000-017000`

Property Details

APN / Parcel Number

Primary APN	`984157-0000-017000`
Alternative APN	`452567`

Interior

Stories	1 Story
Building Area	1,380 sqft Living Area
Gross Area	1,653 sqft
1st Floor Area	1,380 sqft

Exterior

Lot Area	7,225 sqft (0.166 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	110 sqft

Location & Zoning

Street Address	3405 PENELOPE DR
City	HARLINGEN
State	TX
Zip	78552-3558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALOMA ESTATES SUBDIVISION LOT 17 (2025 PLAT C1-4869 CCMR FILED 7/31/2024)
Legal Subdivision	PALOMA ESTATES SUBDIVISION
Legal Lot Number	17
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	1
Census Block	1000
Census Tract	12003

Owner

3405 Penelope Dr is owned and occupied by two individuals.

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	2 Individual Names on File
Mailing Address	3405 PENELOPE DR, HARLINGEN, TX 78552-3558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Deed of Trust, Mortgage · Line of Credit BUILDER FINANCE INC
Jun 25, 2025	Vendor's Lien, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Nov 18, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	3405 PENELOPE DR, HARLINGEN, TX 78552-3558
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 DATE PALM DR, MERCEDES, TX 78570-9353
Investor	Possibly a Property Investor

Mortgage

Document Number	0202444332
Date	Dec 26, 2024
Instrument	2024-44332

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company
Address	SIOUX FALLS, SD 57103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	10 Months
Due	Oct 23, 2025

June 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CAMERON TX
Recording Date	Jun 25, 2025
Property Address	3405 PENELOPE DR, HARLINGEN, TX 78552-3558
Document Number	0202522050
Map Reference	VOL 1 PG 4869
Instrument Date	Jun 25, 2025
Instrument	2025-22050
Transaction Type	Transfer
Record Updated	Oct 14, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1992 DATE PALM DR, MERCEDES, TX 78570-9353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12679 BECKIE JOS RD, SANTA ROSA, TX 78593-2021

Mortgage

Document Number	0202522051
Date	Jun 25, 2025
Instrument	2025-22051

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMERON TX
Recording Date	Nov 18, 2024
Property Address	3405 PENELOPE DR, HARLINGEN, TX 78552-3558
Document Number	0202440179
Map Reference	VOL 1 PG 4869
Instrument Date	Nov 15, 2024
Instrument	2024-40179
Transaction Type	Transfer
Record Updated	Oct 14, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	910 BIG HORN DR, EDINBURG, TX 78542-0744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 DATE PALM DR, MERCEDES, TX 78570-9353
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Penelope Dr was $1,319 with exemptions applied.

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		$216,461 (+241.16%) Land $46,603 Building $169,858	$216,461 (+241.16%) Land $46,603 Building $169,858
2025	$1,319.00	$63,449 Land $46,603 Building $16,846	$63,449 Land $46,603 Building $16,846

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

Flood

FEMA maps place 3405 Penelope Dr in Zone X, an area of moderate flood risk, though there have been 8 flood claims nearby since 2019.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	8 (2019–2025)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Mar 2025 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2025 · 7 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

Wildfire risk around 3405 Penelope Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
RGV Communications Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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