Bandera County property record for 445 Rio Cir, Pipe Creek, TX 78063
| Property Type | Single Family Home |
|---|---|
| Details | 3,545 sqft · built 2006 |
| Lot Size | 4.12 acres (179,467 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $519,400 (Jul 2021) |
| Tax Bill | $9,466 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18801-00001-0120 |
| Primary APN | 18801-00001-0120 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,545 sqft Living Area |
| 1st Floor Area | 2,734 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 179,467 sqft (4.12 acres) |
| Garage Type | Attached |
| Garage Area | 806 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 346 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Account Number | 18801-00001-0120 |
|---|---|
| Street Address | 445 RIO CIR |
| City | PIPE CREEK |
| State | TX |
| Zip | 78063-5875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CIELO RIO RANCH 1 BLK A LT 12 2.06 ACRES |
| Legal Subdivision | CIELO RIO RANCH 1 |
| Legal Tract | 18801 |
| Legal Block | A |
| Legal Lot Number | 12 |
| Jurisdiction | BANDERA TX |
| Township / Civil Division | BANDERA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 101 |
445 Rio Cir is owned and occupied by two individuals who bought it in July 2021.
Source: Bandera County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 RIO CIR, PIPE CREEK, TX 78063-5875 |
| 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.
| Date | Document |
|---|---|
| Jul 9, 2021 | Vendor's Lien, Transfer · VA Mortgage AMCAP MORTGAGE LTD |
| Oct 13, 2020 | Vendor's Lien, Transfer · VA Mortgage BOKF NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2021 · Amount on File |
| Deed Sale | Jul 9, 2021 · Amount on File |
| Prior Sale | Oct 13, 2020 · Amount on File |
| Deed Document Number | 2021245725 |
| Deed Book / Page | 1231 / 561 |
| Prior Transfer Date | Oct 9, 2020 |
| Prior Transfer Doc | 001193/851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BANDERA TX |
| Recording Date | Jul 9, 2021 |
| Property Address | 445 RIO CIR, PIPE CREEK, TX 78063-5875 |
| Document Number | 001231/561 |
| Book / Page | 1231 / 561 |
| Map Reference | VOL 6 PG 335 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 245725 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000245726 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 245726 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | BANDERA TX |
| Recording Date | Oct 13, 2020 |
| Property Address | 445 RIO CIR, PIPE CREEK, TX 78063-5875 |
| Document Number | 001193/851 |
| Book / Page | 1193 / 851 |
| Map Reference | VOL 6 PG 335 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 239754 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2022 |
| Title Company | WESTERN TITLE/BANDERA INC, WESTERN TITLE OF BANDERA INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3034 PRADO LN, DAVIS, CA 95618-6518 |
| Document Number | 0000239755 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 239755 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 445 Rio Cir was $9,466 with exemptions applied.
Source: Bandera County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Bandera County |
| Unified School District | Bandera Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,466.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $704,290 Land $102,100 Building $602,190 | $704,290 Land $102,100 Building $602,190 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $735,240 Land $100,080 Building $635,160 | $735,240 Land $100,080 Building $635,160 |
| 2022 | $4,217.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Rio Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 1, 2024 · 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 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 risk around 445 Rio Cir is moderate, ranking above 56% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 64% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CIELO RIO RANCH WATER SYSTEM private · serves 165 people · EPA ID TX0100091 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BEC Fiber Fiber | 1,000 / 1,000 |
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