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409 Toronto Ave, McAllen, TX 78503 Property Records

Hidalgo County property record for 409 Toronto Ave, McAllen, TX 78503

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,714 sqft · built 1985
Lot Size0.086 acres (3,750 sqft)
Owner2 Individual Names on File
Last Sale$207,800 (Dec 2021)
Tax Bill$3,567 (2025)
Deeds & MortgagesAug 2025 Second Mortgage
Dec 2021 Mortgage
APNL565002000012200

Property Details

APN / Parcel Number

Primary APNL565002000012200
Alternative APNs
  • R221477
  • 221477

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,714 sqft Living Area
Gross Area3,200 sqft
1st Floor Area2,504 sqft
FlooringTile

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1996
Exterior MaterialBrick Veneer
Roof TypeFlat
Roof MaterialBuilt-Up Asphalt
Lot Area3,750 sqft (0.086 acres)
Lot Dimensions75 ft deep x 50 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchCovered Porch
Porch Area53 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Street Address409 TORONTO AVE
CityMCALLEN
StateTX
Zip78503-3009
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRT
Legal DescriptionLOS ALEGRES UT NO. 2 LOT 122
Legal SubdivisionLOS ALEGRES UT NO. 2 - SML
Legal Tract122
Legal Block1
Legal Lot Number122
JurisdictionHIDALGO TX
Township / Civil DivisionMCALLEN-PHARR
Census Block Group1
Census Block1011
Census Tract21204

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually ListedLouisiana-Rio Grande Canal Company Irrigation System
listed 1995 · 3 contributing resources · NRIS 95001284

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

409 Toronto Ave is owned and occupied by two individuals who bought it in December 2021.

Source: Hidalgo County records, as of September 16, 2026

Owner of Record2 Individual Names on File
Mailing Address409 TORONTO AVE, MCALLEN, TX 78503-3009
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 11, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
SECURITY SERVICE FCU
Dec 17, 2021Vendor's Lien, Transfer · Conventional Mortgage
SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 17, 2021 · Amount on File
Deed SaleDec 17, 2021 · Amount on File
Deed Document Number20213292545
Prior Transfer DateDec 13, 2021
Prior Transfer Doc0003292545
Record UpdatedOct 29, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHIDALGO TX
Property Address409 TORONTO AVE, MCALLEN, TX 78503-3009
Transaction TypeMortgage
Record UpdatedNov 11, 2025
Title CompanyUNKNOWN, SSTC

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 TORONTO AVE, MCALLEN, TX 78503-3009

Mortgage

Document Number0003673392
DateAug 11, 2025
Instrument3673392
Lender
NameSECURITY SERVICE FCU
TypeCredit Union
AddressSAN ANTONIO, TX 78249
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term241 Months
DueSep 1, 2045

December 2021: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionHIDALGO TX
Recording DateDec 17, 2021
Property Address409 TORONTO AVE, MCALLEN, TX 78503-3009
Document Number0003292545
Map ReferenceVOL 20 PG 65
Instrument DateDec 13, 2021
Instrument3292545
Transaction TypeTransfer
Record UpdatedNov 11, 2025
Title CompanyENCORE TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address409 TORONTO AVE, MCALLEN, TX 78503-3009

Transferred To (Grantee/Buyer)

NameVerified Name
Address429 VERMONT AVE, MCALLEN, TX 78503-3020

Mortgage

Document Number0003292546
DateDec 17, 2021
Instrument3292546
Lender
NameSYNERGY ONE LENDING
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 409 Toronto Ave was $3,567 with exemptions applied, up 56.3% from the year before.

Source: Hidalgo County assessment roll, as of September 16, 2026

Property Jurisdictions

TypeName
StateTexas
CountyHidalgo County
MunicipalityMcAllen City
Unified School DistrictMcAllen Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$285,553 (-1.45%) Land $63,750 Building $221,803$285,553 (-1.45%) Land $63,750 Building $221,803
2025$3,567.00 (+56.31%) Homeowner's exemption Senior Citizen's exemption$289,764 Land $63,750 Building $226,014$289,764 Land $63,750 Building $226,014
2024$2,282.00 (-65.9%)
2023$6,693.00 (+17.63%)$284,502 Land $63,750 Building $220,752$284,502 Land $63,750 Building $220,752
2022$5,690.00

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

Flood

FEMA has no flood map on file for 409 Toronto Ave; 27 flood insurance policies are in force nearby.

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

FEMA Flood ZoneNot on file
Flood Insurance CostPremium on File
median of 27 policies
Nearby Flood Policies27 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

The area around 409 Toronto Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 SystemMCALLEN PUBLIC UTILITY
serves 145,050 people · EPA ID TX1080006
Water SourceSurface water
Last State InspectionJul 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 251 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Smartcom Telephone, TWIN, VTX Communications.

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