423 S Main St, Lockhart, TX 78644 Property Records

Caldwell County property record for 423 S Main St, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,469 sqft · built 1922
Lot Size	0.207 acres (9,008 sqft)
Owner	2 Individual Names on File
Last Sale	$312,800 (Apr 2019)
Tax Bill	$8,152 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Jun 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0300000-002-008-80`

Property Details

APN / Parcel Number

Primary APN	`0300000-002-008-80`
Alternative APNs	`R16827` `16827`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,469 sqft Living Area
1st Floor Area	1,572 sqft
2nd Floor Area	897 sqft
Upper Floors Area	771 sqft
Utility Area	41 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 2015
Architectural Style	Georgian
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Lot Area	9,008 sqft (0.207 acres)
Lot Dimensions	125 ft deep x 72 ft wide

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Deck Area	Deck Area
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16827
Street Address	423 S MAIN ST
City	LOCKHART
State	TX
Zip	78644-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O.T. LOCKHART, BLOCK 2, LOT 8 & PART 7
Legal Subdivision	O.T. LOCKHART
Legal Block	2
Legal Lot Number	8
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	2
Census Block	2031
Census Tract	960300

Owner

423 S Main St is owned and occupied by two individuals who bought it in April 2019.

Source: Caldwell County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	423 S MAIN ST, LOCKHART, TX 78644-2718
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
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit EVERETT FINANCIAL INC
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit EVERETT FINANCIAL INC
Sep 4, 2018	Deed of Trust, Mortgage · Line of Credit FIRST LOCKHART NATIONAL BANK
Apr 25, 2019	Vendor's Lien, Transfer · Conventional Mortgage BARTON CREEK LENDING GROUP LLC
Jun 8, 2017	Vendor's Lien, Transfer · Seller Carry-Back JOHN M ALLRED ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on File
Deed Sale	Apr 25, 2019 · Amount on File
Prior Sale	Jun 8, 2017 · Amount on File
Deed Document Number	20191928
Prior Transfer Date	Apr 23, 2019
Prior Transfer Doc	2019001928
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	423 S MAIN ST, LOCKHART, TX 78644-2718
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017003409
Date	Jun 27, 2017
Instrument	2017-003409

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	423 S MAIN ST, LOCKHART, TX 78644-2718
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	CALDWELL ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017003408
Date	Jun 27, 2017
Instrument	2017-003408

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	423 S MAIN ST, LOCKHART, TX 78644-2718
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018004913
Date	Sep 4, 2018
Instrument	2018-004913

Lender

Name	FIRST LOCKHART NATIONAL BANK
Type	Bank
Address	LOCKHART, TX 78644

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Aug 30, 2033

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Apr 25, 2019
Property Address	423 S MAIN ST, LOCKHART, TX 78644-2718
Document Number	2019001928
Map Reference	VOL Q PG 507
Instrument Date	Apr 23, 2019
Instrument	2019-001928
Transaction Type	Transfer
Record Updated	Sep 2, 2022
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 941, LOCKHART, TX 78644-0941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 NELSON RD, SCOTTS VALLEY, CA 95066-3018

Mortgage

Document Number	2019001929
Date	Apr 25, 2019
Instrument	2019-001929

Lender

Name	BARTON CREEK LENDING GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

June 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Jun 8, 2017
Property Address	423 S MAIN ST, LOCKHART, TX 78644-2718
Document Number	2017003016
Map Reference	VOL Q PG 507
Instrument Date	May 23, 2017
Instrument	2017-003016
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 306, BAY CENTER, WA 98527-0306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 S MAIN ST, LOCKHART, TX 78644-2718

Mortgage

Document Number	2017003017
Date	Jun 8, 2017
Instrument	2017-003017

Lender

Name	JOHN M ALLRED ETAL
Type	Seller
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	1 Months
Due	Jul 23, 2017

Tax Assessment & Valuation

The 2026 property tax bill for 423 S Main St was $8,152 with a homeowner's exemption, down 4% from the year before.

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,152.00 (-3.96%)	$395,070 (-5.38%) Land $64,410 Building $330,660	$395,070 (-5.38%) Land $64,410 Building $330,660
2025	$8,488.00 (-8.53%) Homeowner's exemption	$417,550 Land $64,410 Building $353,140	$417,550 Land $64,410 Building $353,140
2024	$9,280.00 (+13.57%)
2023	$8,171.00 (-15.21%)	$410,579 Land $56,782 Building $353,797	$410,579 Land $56,782 Building $353,797
2022	$9,637.00

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

Flood

FEMA maps place 423 S Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1998–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · rainfall accumulation

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 S Main St is low, with a 0.02% annual chance of 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	0.02% 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 LOCKHART serves 18,800 people · EPA ID TX0280001
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	2 ppb (2023–2025) 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	300 / 50
Verizon Fixed Wireless	300 / 20
Spry Air Fiber Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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