423 E Orchard St, Fredericksburg, TX 78624 Property Records

Gillespie County property record for 423 E Orchard St, Fredericksburg, TX 78624

Property Summary

Property Type	Commercial
Details	1 ba · 1,760 sqft · built 2005
Lot Size	0.26 acres (11,304 sqft)
Owner	2 Company Names on File
Last Sale	$778,100 (Dec 2021)
Tax Bill	$9,912 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Mar 2026 Mortgage + 5 more
APN	`S0050-0000-001600`

Property Details

APN / Parcel Number

Primary APN	`S0050-0000-001600`
Alternative APN	`5790`

Interior

Full Baths	1 Bath
Building Area	1,760 sqft Total Area
1st Floor Area	1,232 sqft
Upper Floors Area	528 sqft
Utility Area	132 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asbestos
Lot Area	11,304 sqft (0.26 acres)
Lot Dimensions	188 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	224 sqft
Carport	Carport
Carport Area	224 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	558 sqft
Porch	Slab
Porch Area	436 sqft
Deck Area	471 sqft
Patio Area	310 sqft
Shed	1 Shed
Shed Area	636 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	S0050-0000-001600
Street Address	423 E ORCHARD ST
City	FREDERICKSBURG
State	TX
Zip	78624-4346
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BAETHGE LOT 16
Legal Subdivision	BAETHGE
Legal Lot Number	16
Jurisdiction	GILLESPIE TX
Township / Civil Division	FREDERICKSBURG
Census Block Group	2
Census Block	2007
Census Tract	950401

Owner

423 E Orchard St, a commercial property, is owned by a company that bought it in December 2021.

Source: Gillespie County records, as of October 19, 2026

Owner of Record	2 Company Names on File
Mailing Address	3427 PALOMAR VALLEY DR, SPRING, TX 77386-2871
Owner Type	Company
Vesting	Company

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
Oct 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL
Mar 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Mar 19, 2020	Deed of Trust, Mortgage · Commercial Mortgage FINANCE OF AMERICA COMMERCIAL
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage VISIO FINANCIAL SERVICES INC
Jul 29, 2019	Vendor's Lien, Transfer · ARM NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	202110040
Prior Transfer Date	Jul 17, 2019
Prior Transfer Doc	0000003778
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Recording Date	Oct 1, 2026
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Document Number	0000005359
Instrument Date	Sep 29, 2026
Instrument	20265359
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	202 WESTWOOD CT, SPRING, TX 77386-1141

Mortgage

Document Number	0000005359,
Date	Oct 1, 2026
Instrument	20265359

Lender

Name	GENEVA FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020261367
Date	Mar 17, 2026
Instrument	20261367

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	PORTLAND, OR 97223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2027

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	ALAMO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020211220
Date	Feb 22, 2021
Instrument	20211220

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	ALAMO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020207518
Date	Dec 4, 2020
Instrument	20207518

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILLESPIE TX
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201600
Date	Mar 19, 2020
Instrument	20201600

Lender

Name	FINANCE OF AMERICA COMMERCIAL
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Apr 1, 2021

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILLESPIE TX
Recording Date	Dec 22, 2021
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Document Number	0202110040
Map Reference	VOL 60 PG 591
Instrument Date	Dec 6, 2021
Instrument	202110040
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3427 PALOMAR VALLEY DR, 3427, SPRING, TX 77386-2871

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3427 PALOMA VALLEY DR, SPRING, TX 77386-2871

Mortgage

Document Number	0202110041
Date	Dec 22, 2021
Instrument	202110041

Lender

Name	VISIO FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GILLESPIE TX
Recording Date	Jul 29, 2019
Property Address	423 E ORCHARD ST, FREDERICKSBURG, TX 78624-4346
Document Number	0020193778
Map Reference	VOL 60 PG 591
Instrument Date	Jul 17, 2019
Instrument	20193778
Transaction Type	Transfer
Record Updated	Jan 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020193779
Date	Jul 29, 2019
Instrument	20193779

Lender

Name	NORTHPOINTE BANK
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	6.37%
Max Rate At Change	11.3%
Index	1-Year LIBOR
Max Rate	11.3%

Mortgage

Document Number	0020193780
Date	Jul 29, 2019
Instrument	20193780

Lender

Name	NORTHPOINTE BANK
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 423 E Orchard St was $9,912, down 13% from the year before.

Source: Gillespie County assessment roll, as of October 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,912.00 (-12.97%)	$777,940 (-14.48%) Land $251,400 Building $526,540	$777,940 (-14.48%) Land $251,400 Building $526,540
2025	$11,389.00 (+0.01%)	$909,710 Land $251,400 Building $658,310	$909,710 Land $251,400 Building $658,310
2024	$11,388.00 (+2.19%)
2023	$11,144.00	$909,710 Land $251,400 Building $658,310	$909,710 Land $251,400 Building $658,310
2022	$11,144.00

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 423 E Orchard St; 8 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 Zone	Not on file
Nearby Flood Policies	8 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 423 E Orchard St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 FREDERICKSBURG serves 12,360 people · EPA ID TX0860001
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
VTX Communications Fixed Wireless	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: Hill Country Telecommunications, NexStream.

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