430 C St, Kerrville, TX 78028 Property Records

Kerr County property record for 430 C St, Kerrville, TX 78028

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 980 sqft · built 2021
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on Record
Last Sale	$342,138 (May 2026)
Tax Bill	$5,790 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3996-0010-000103`

Property Details

APN / Parcel Number

Primary APN	`3996-0010-000103`
Alternative APN	`539802`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	980 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	216 ft deep x 94 ft wide
Garage Type	Carport
Garage Area	370 sqft
Carport	Carport
Carport Area	370 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	219 sqft
Storage Building	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	3996-0010-000103
Street Address	430 C ST
City	KERRVILLE
State	TX
Zip	78028-3583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GILKEY ADDN LOT 1D ACRES .117
Legal Subdivision	GILKEY ADDN
Legal Lot Number	1D
Jurisdiction	KERR TX
Township / Civil Division	KERRVILLE
Census Block Group	1
Census Block	1027
Census Tract	960601

Owner

Source: Kerr County records, as of October 20, 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	430 C ST, KERRVILLE, TX 78028-3583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed, Transfer · FHA Mortgage VIP INDEPENDENT MORTGAGE
Jan 31, 2022	Vendor's Lien, Transfer · Conventional Mortgage BROADWAY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	20262969
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KERR TX
Recording Date	May 21, 2026
Property Address	430 C ST, KERRVILLE, TX 78028-3583
Document Number	0000002969
Instrument Date	May 18, 2026
Instrument	20262969
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 C ST, KERRVILLE, TX 78028-3583

Mortgage

Document Number	0000002970,
Date	May 21, 2026
Instrument	20262970

Lender

Name	VIP INDEPENDENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KERR TX
Recording Date	Jan 31, 2022
Property Address	430 C ST, KERRVILLE, TX 78028-3583
Document Number	0022000817
Map Reference	FILE 20-06236
Instrument Date	Jan 27, 2022
Instrument	22-000817
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	KERRVILLE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1501 WATER ST, KERRVILLE, TX 78028-6017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 C ST, KERRVILLE, TX 78028-3583

Mortgage

Document Number	0022000818
Date	Jan 31, 2022
Instrument	22-000818

Lender

Name	BROADWAY NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,790.00 (+24.78%)	$319,640 (-) Land $20,755 Building $298,885	$319,640 (-) Land $20,755 Building $298,885
2025	$4,640.00 (+58.25%) Homeowner's exemption	$319,640 (+9.1%) Land $20,755 Building $298,885	$319,640 (+9.1%) Land $20,755 Building $298,885
2024	$2,932.00 (-35.02%)
2023	$4,512.00 Homeowner's exemption	$292,983 Land $20,755 Building $272,228	$292,983 Land $20,755 Building $272,228

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 August 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2025–2026)
Most Recent Claim	Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jul 2025 · 2 claims

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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 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	CITY OF KERRVILLE serves 30,530 people · EPA ID TX1330001
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	Coliform assessment Aug 2016
Monitoring and Reporting	14 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 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
VTX Communications Fixed Wireless	940 / 940
Hill Country Telecommunications Fixed Wireless · Fiber in parts of the area	300 / 50

May also be available: AT&T, Verizon.

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