405 E Garfield St, Del Rio, TX 78840 Property Records

Val Verde County property record for 405 E Garfield St, Del Rio, TX 78840

Property Summary

Property Type	Single Family Home
Details	2,220 sqft · built 1940
Lot Size	0.186 acres (8,120 sqft)
Owner	Individual Name on Record
Tax Bill	$1,876 (2025)
Deeds & Mortgages	Aug 2024 Mortgage May 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5510-0050-0040`

Property Details

APN / Parcel Number

Primary APN	`5510-0050-0040`
Alternative APN	`24895`

Interior

Building Area	2,220 sqft Total Area
1st Floor Area	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	167 ft deep x 49 ft wide
Porch	Porch
Porch Area	200 sqft

Location & Zoning

Account Number	5510-0050-0040
Old Parcel Number	551000500040
Street Address	405 E GARFIELD ST
City	DEL RIO
State	TX
Zip	78840-5111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANGE 5 NORTH DEL RIO BLOCK 5 LOT 4
Legal Subdivision	RANGE 5 NORTH DEL RIO
Legal Block	5
Legal Lot Number	4
Jurisdiction	VAL VERDE TX
Township / Civil Division	DEL RIO
Census Block Group	1
Census Block	1017
Census Tract	950701

Owner

Source: Val Verde County records, as of February 2, 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	1503 PIERCE ST, DEL RIO, TX 78840-5031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
May 25, 2012	Deed of Trust, Mortgage · FHA Mortgage SFMC LP
May 6, 2025	Vendor's Lien, Transfer · FHA Mortgage KIND LENDING LLC
May 20, 2022	Vendor's Lien, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Feb 24, 2021	Intrafamily Transfer, Transfer · Line of Credit BORDER FCU
Mar 16, 2015	Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2025
Deed Sale	May 6, 2025
Prior Sale	May 20, 2022
Deed Document Number	0000352710
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAL VERDE TX
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	UNKNOWN, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111

Mortgage

Document Number	0000348817
Date	Aug 19, 2024
Instrument	348817

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jun 1, 2052

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAL VERDE TX
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000271047
Date	May 25, 2012
Instrument	00271047

Lender

Name	SFMC LP
Type	Non-Lending Institution
Address	RICHARDSON, TX 75080

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

May 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	VAL VERDE TX
Recording Date	May 6, 2025
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Document Number	0000352710
Map Reference	VOL 12 PG 247
Instrument Date	May 6, 2025
Instrument	352710
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1028 DIEGO LOOP RD, DEL RIO, TX 78840-2474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1503 PIERCE ST, DEL RIO, TX 78840-5031

Mortgage

Document Number	0000352711
Date	May 6, 2025
Instrument	352711

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

May 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	VAL VERDE TX
Recording Date	May 20, 2022
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Document Number	0000335079
Map Reference	VOL 12 PG 247
Instrument Date	May 20, 2022
Instrument	335079
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	SOUTHEASTERN ABSTRACT COMPANY, SOUTHWEST ABSTRACT CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111

Mortgage

Document Number	0000335080
Date	May 20, 2022
Instrument	335080

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VAL VERDE TX
Recording Date	Feb 24, 2021
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Document Number	0000325496
Map Reference	VOL 12 PG 247
Instrument Date	Feb 12, 2021
Instrument	325496
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	UNKNOWN, DRT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9206 ROCHESTER AVE, LUBBOCK, TX 79424-7080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111

Mortgage

Document Number	0000325497
Date	Feb 24, 2021
Instrument	325497

Lender

Name	BORDER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

March 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	VAL VERDE TX
Recording Date	Mar 16, 2015
Property Address	405 E GARFIELD ST, DEL RIO, TX 78840-5111
Document Number	00288322
Map Reference	MB 12 PG 247
Instrument Date	Mar 13, 2015
Instrument	00288322
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000288321
Date	Mar 16, 2015
Instrument	00288321

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2045

Tax Assessment & Valuation

Source: Val Verde County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Del Rio City
County	Val Verde County
Unified School District	San Felipe-Del Rio Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,876.00 (-25.2%) Homeowner's exemption	$149,602 (+3%) Land $26,789 Building $122,813	$149,602 (+3%) Land $26,789 Building $122,813
2023		$145,249 Land $32,500 Building $112,749	$145,249 Land $32,500 Building $112,749
2022	$2,508.00

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 July 22, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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	DEL RIO UTILITIES COMMISSION serves 36,506 people · EPA ID TX2330001
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2025
Lead	2 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	1 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Big Bend Telecom.

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