388 Cougar Pass, Llano, TX 78643 Property Records

Llano County property record for 388 Cougar Pass, Llano, TX 78643

Property Summary

Property Type	Rural Home
Details	2 ba · 1,584 sqft · built 2004
Lot Size	0.601 acres (26,180 sqft)
Owner	Trust Name on File
Last Sale	$294,400 (May 2020)
Tax Bill	$4,000 (2026)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10442-003-0015-1`

Property Details

APN / Parcel Number

Primary APN	`10442-003-0015-1`
Alternative APN	`55584`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	26,180 sqft (0.601 acres)
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	3,368 sqft
Storage Building	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10442-003-0015-1
Street Address	388 COUGAR PASS
City	LLANO
State	TX
Zip	78643-2897
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FLAG CREEK OAKS UNIT 3 PT OF TR 15 0.601 AC
Legal Subdivision	FLAG CREEK OAKS
Legal Tract	15
Jurisdiction	LLANO TX
Township / Civil Division	LLANO SOUTH
Census Block Group	3
Census Block	3036
Census Tract	970200

Owner

388 Cougar Pass, a rural home, is owner-occupied and held in a trust since May 2020.

Source: Llano County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	388 COUGAR PASS, LLANO, TX 78643-2897
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2020	Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Deed Document Number	20202895
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LLANO TX
Property Address	388 COUGAR PASS # 3, 3, LLANO, TX 78643-2897
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2101072
Date	Feb 5, 2021
Instrument	21-01072

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

May 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LLANO TX
Recording Date	May 15, 2020
Property Address	388 COUGAR PASS # 3, 3, LLANO, TX 78643-2897
Document Number	2002895
Map Reference	VOL 10 PG 35
Instrument Date	May 15, 2020
Instrument	20-02895
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	HIGHLAND LAKES TITLE-BURNET, HIGHLAND LAKES TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 COUGAR PASS, LLANO, TX 78643-2897

Mortgage

Document Number	2002896
Date	May 15, 2020
Instrument	20-02896

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 388 Cougar Pass was $4,000 with exemptions applied, up 403.8% from the year before.

Source: Llano County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,000.00 (+403.78%)	$372,495 (+1%)	$418,870 (+7.23%) Land $6,570 Building $412,300
2025	$794.00 Homeowner's exemption Senior Citizen's exemption	$338,632	$390,620 Land $6,570 Building $384,050
2023	$2,517.00 Homeowner's exemption	$279,861	$508,570 Land $9,520 Building $499,050

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

Flood

FEMA maps place 388 Cougar Pass in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 17, 2026 · 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 File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	13 (1980–2024)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2018 · 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

Wildfire risk around 388 Cougar Pass is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 54% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nextlink Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: AT&T, T-Mobile, Verizon.

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