403 Kruse Loop, Lakehills (Pipe Creek), TX 78063 Property Records

Bandera County property record for 403 Kruse Loop, Lakehills, TX 78063 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1977
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on File
Tax Bill	$1,398 (2024)
Deeds & Mortgages	May 2023 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12603-00000-0270`

Property Details

APN / Parcel Number

Primary APN	`12603-00000-0270`
Alternative APN	`156774`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,260 sqft
1st Floor Area	1,196 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	33,541 sqft (0.769 acres)
Porch	Open Porch
Porch Area	380 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12603-00000-0270
Street Address	403 KRUSE LOOP
City	LAKEHILLS
State	TX
Zip	78063-6901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAURIE 3 LT 27 0.77 ACRES
Legal Subdivision	FAURIE 3
Legal Lot Number	27
Jurisdiction	BANDERA TX
Township / Civil Division	BANDERA
Census Block Group	2
Census Block	2048
Census Tract	400

Owner

Source: Bandera County records · APN 12603-00000-0270

Assessment roll updated September 1, 2025 · Last verified November 2025

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

Owner of Record	Individual Name on File
Mailing Address	403 KRUSE LOOP, LAKEHILLS, TX 78063-6901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Line of Credit JUSTICE FEDERAL CREDIT UNION
Apr 27, 2020	Vendor's Lien, Transfer · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2020
Deed Sale	Apr 27, 2020
Deed Document Number	236451
Deed Book / Page	1172 / 763
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANDERA TX
Property Address	403 KRUSE LOOP, LAKEHILLS, TX 78063-6901
Transaction Type	Mortgage
Record Updated	Jun 16, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001312/501
Date	May 30, 2023
Book Page	1312/501
Instrument	259042

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 26, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BANDERA TX
Recording Date	Apr 27, 2020
Property Address	403 KRUSE LOOP, LAKEHILLS, TX 78063-6901
Document Number	1172/763
Book / Page	1172 / 763
Map Reference	VOL 1 PG 92
Instrument Date	Apr 23, 2020
Instrument	236451
Transaction Type	Transfer
Record Updated	Nov 09, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 KRUSE LOOP, LAKEHILLS, TX 78063-6901

Mortgage

Document Number	236452
Date	Apr 27, 2020
Instrument	236452

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Bandera County records · Assessment roll updated September 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Texas
County	Bandera County
Unified School District	Bandera 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$233,230 (+10.67%) Land $58,420 Building $177,730	$236,150 (+12.06%) Land $58,420 Building $177,730
2024	$1,398.00 (-42.26%)
2023	$2,421.00 Homeowner's exemption Senior Citizen's exemption	$210,740 Land $35,420 Building $175,320	$210,740 Land $35,420 Building $175,320

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bandera County (48019C), updated October 1, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480190004002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1997–2026)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jul 2026, other causes, Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims By Storm	Severe Storms And Flooding, Jul 2002 · 2 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 14% of Texas
Wildfire Likelihood	About 1 in 1,639 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 78 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Bandera Electric Cooperative	Fiber	1,000 / 1,000

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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