407 Gibraltar Ln, Lorena, TX 76655 Property Records

McLennan County property record for 407 Gibraltar Ln, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,846 sqft · built 2001
Lot Size	0.448 acres (19,493 sqft)
Owner	2 Individual Names on File
Last Sale	$485,450 (Jan 2026)
Tax Bill	$9,503 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30-072100-000124-1`

Property Details

APN / Parcel Number

Primary APN	`30-072100-000124-1`
Alternative APNs	`3007210000012410101` `130432`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,846 sqft Living Area
Gross Area	3,742 sqft
1st Floor Area	2,846 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stone
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	19,493 sqft (0.448 acres)
Garage Type	Attached
Garage Area	896 sqft
Driveway	Concrete Driveway
Driveway Area	1,660 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	342 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	407 GIBRALTAR LN
City	LORENA
State	TX
Zip	76655-3622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	QUARRY BLOCK 1 LOT 24 ACRES 0.4355, YEAMAN ERASTUS ACRES 0.014
Legal Subdivision	QUARRY
Legal Block	1
Legal Lot Number	24
Jurisdiction	MCLENNAN TX
Township / Civil Division	MOODY-LORENA
Census Block Group	3
Census Block	3021
Census Tract	3801

Owner

407 Gibraltar Ln is owned and occupied by two individuals who bought it in January 2026.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 9, 2026	Vendor's Lien, Transfer · Conventional Mortgage EXTRACO BANKS NA
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 30, 2020	Deed of Trust, Mortgage FIRST CHOICE LN SVCS
Mar 1, 2018	Warranty Deed, Transfer
Mar 1, 2018	Vendor's Lien, Transfer · Conventional Mortgage TEXANA BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2026 · Amount on File
Deed Sale	Jan 9, 2026 · Amount on File
Prior Sale	Mar 1, 2018 · Amount on File
Deed Document Number	2026871
Prior Transfer Date	Feb 6, 2018
Prior Transfer Doc	0000006595
Record Updated	Oct 29, 2026

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Jan 9, 2026
Property Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Document Number	0000000871
Map Reference	VOL 335 PG 130
Instrument Date	Jan 9, 2026
Instrument	2026000871
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 GIBRALTAR LN, LORENA, TX 76655-3622

Mortgage

Document Number	0000000872
Date	Jan 9, 2026
Instrument	2026000872

Lender

Name	EXTRACO BANKS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041877
Date	Nov 23, 2020
Instrument	2020041877

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Document Number	0000004488
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	407 GIBRALTAR LN LORENA TX 766553622, LORENA, TX 76655-3622

Mortgage

Document Number	0000004488
Date	Feb 10, 2020
Instrument	4488

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Mar 1, 2018
Property Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Document Number	0000006594
Instrument Date	Feb 28, 2018
Instrument	6594
Transaction Type	Transfer
Record Updated	Mar 12, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2325 E BELT LINE RD CARROLLTON TX 750065504, CARROLLTON, TX 75006-5504

March 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Mar 1, 2018
Property Address	407 GIBRALTAR LN, LORENA, TX 76655-3622
Document Number	0000006595
Map Reference	VOL335 PG130
Instrument Date	Feb 6, 2018
Instrument	2018006595
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 GIBRALTAR LN, LORENA, TX 76655-3622

Mortgage

Document Number	0000006596
Date	Mar 1, 2018
Instrument	2018006596

Lender

Name	TEXANA BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 407 Gibraltar Ln was $9,503, up 10.8% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Lorena City
Unified School District	Lorena Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$529,446 (-7.08%) Land $59,844 Building $469,602	$529,446 (-7.08%) Land $59,844 Building $469,602
2025	$9,503.00 (+10.78%) Homeowner's exemption	$569,800 Land $54,380 Building $515,420	$569,800 Land $54,380 Building $515,420
2024	$8,578.00
2023		$599,730 Land $54,380 Building $545,350	$599,730 Land $54,380 Building $545,350
2022	$7,790.00

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

Flood

FEMA maps place 407 Gibraltar Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 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

Wildfire risk around 407 Gibraltar Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF LORENA serves 1,776 people · EPA ID TX1550036
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2017
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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
Nextlink Fixed Wireless	500 / 100
Central Link Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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