470 Cottletown Rd, Smithville, TX 78957 Property Records

Bastrop County property record for 470 Cottletown Rd, Smithville, TX 78957

Property Summary

Property Type	Rural Home
Details	3 bd · 2,929 sqft · built 2013
Lot Size	13.3 acres (580,001 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,083 (2025)
Deeds & Mortgages	Oct 2019 Second Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R59991`

Property Details

APN / Parcel Number

Primary APN	`R59991`
Alternative APN	`O0203980`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,929 sqft Living Area
Gross Area	3,243 sqft
1st Floor Area	2,367 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Metal
Lot Area	580,001 sqft (13.3 acres)
Garage Type	Carport
Garage Area	578 sqft
Carport	Carport
Carport Area	578 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	460 sqft
Porch	Covered Porch
Porch Area	435 sqft
Deck Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	470 COTTLETOWN RD
City	SMITHVILLE
State	TX
Zip	78957-9583
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A21 COTTLE, SARAH & A270 JOSE ORTIZ, TRACTS 1 FR & 3, ACRES 13.315
Legal Subdivision	COTTLE, SARAH
Legal Tract	1
Legal Block	3
Jurisdiction	BASTROP TX
Township / Civil Division	BASTROP
Census Block Group	3
Census Block	3032
Census Tract	950503

Owner

Source: Bastrop County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage R BANK
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage R BANK
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage R BANK
Oct 31, 2018	Vendor's Lien, Transfer ENCOMPASS LENDING GROUP LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023
Deed Sale	Jun 22, 2023
Prior Sale	Oct 31, 2018 · Amount on Record
Deed Document Number	20239381
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201915437
Date	Oct 4, 2019
Instrument	201915437

Lender

Name	R BANK
Type	Bank
Address	ROUND ROCK, TX 78665

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202018098
Date	Oct 19, 2020
Instrument	202018098

Lender

Name	R BANK
Type	Bank
Address	ROUND ROCK, TX 78665

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201915436
Date	Oct 4, 2019
Instrument	201915436

Lender

Name	R BANK
Type	Bank
Address	ROUND ROCK, TX 78665

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BASTROP TX
Recording Date	Oct 31, 2018
Property Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583
Document Number	201815652
Instrument Date	Oct 31, 2018
Instrument	201815652
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 COTTLETOWN RD, SMITHVILLE, TX 78957-9583

Mortgage

Document Number	201815653
Date	Oct 31, 2018
Instrument	201815653

Lender

Name	ENCOMPASS LENDING GROUP LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Bastrop County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bastrop County
Unified School District	Smithville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,083.00 (-4.71%) Homeowner's exemption	$775,214 (+0.66%) Land $46,522 Building $728,692	$1,336,752 (+1.62%) Land $608,060 Building $728,692
2024	$10,581.00
2023	Homeowner's exemption	$770,119 Land $23,121 Building $746,998	$1,315,455 Land $568,457 Building $746,998
2022	$10,082.00

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 April 22, 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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	Moderate above 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.07% 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	AQUA WSC serves 86,325 people · EPA ID TX0110013
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (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	27 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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