4786 Co Rd 286, Sargent (Bay City), TX 77414 Property Records

Matagorda County property record for 4786 Co Rd 286, Sargent, TX 77414

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,650 sqft · built 1980
Lot Size	1.49 acres (64,904 sqft)
Owner	2 Individual Names on File
Last Sale	$324,520 (Apr 2025)
Tax Bill	$5,496 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`2401-0040-000800`

Property Details

APN / Parcel Number

Primary APN	`2401-0040-000800`
Alternative APN	`37866`

Interior

Full Baths	2 Baths
Building Area	1,650 sqft Living Area
Gross Area	3,932 sqft
1st Floor Area	1,650 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,904 sqft (1.49 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	768 sqft
Porch	Porch
Porch Area	550 sqft
Deck Area	724 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2401-0040-000800
Street Address	4786 COUNTY ROAD 286
City	BAY CITY
State	TX
Zip	77414-1596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONNIE GLAZE CAMPSITE, LOT 8, (HINTON CURTIS), ACRES 1.49
Legal Subdivision	LONNIE GLAZE CAMPSITES
Legal Lot Number	8
Jurisdiction	MATAGORDA TX
Township / Civil Division	MATAGORDA-SARGENT
Census Block Group	2
Census Block	2048
Census Tract	730503

Owner

4786 Co Rd 286 is owned and occupied by two individuals who bought it in April 2025.

Source: Matagorda County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4786 COUNTY ROAD 286, BAY CITY, TX 77414-1596
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 11, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage BAYCEL FCU
Nov 22, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage BAYCEL FCU
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit MORTGAGE SOLUTIONS OF COLORADO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Deed Document Number	20252058
Prior Transfer Date	Apr 14, 2025
Prior Transfer Doc	0020252058
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	4786 COUNTY ROAD 286, SARGENT, TX 77414-1596
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018006202
Date	Oct 11, 2018
Instrument	2018-006202

Lender

Name	BAYCEL FCU
Type	Credit Union
Address	BAY CITY, TX 77414

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	94 Months
Due	Aug 10, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	4786 COUNTY ROAD 286, SARGENT, TX 77414-1596
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019006678
Date	Nov 22, 2019
Instrument	2019-006678

Lender

Name	BAYCEL FCU
Type	Credit Union
Address	BAY CITY, TX 77414

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	95 Months
Due	Oct 10, 2027

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATAGORDA TX
Property Address	4786 COUNTY ROAD 286, SARGENT, TX 77414-1596
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	TEXAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021007136
Date	Oct 12, 2021
Instrument	2021-007136

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4786 Co Rd 286 was $5,496 with exemptions applied, up 230.7% from the year before.

Source: Matagorda County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Matagorda County
Unified School District	Van Vleck Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,496.00 (+230.69%) Homeowner's exemption Senior Citizen's exemption	$284,957 (-22.46%)	$363,300 (-1.14%) Land $214,870 Building $148,430
2025	$1,662.00 Homeowner's exemption Senior Citizen's exemption	$367,490 Land $214,870 Building $152,620	$367,490 Land $214,870 Building $152,620
2023		$253,720 Land $86,870 Building $166,850	$253,720 Land $86,870 Building $166,850
2022	$2,581.00

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

Flood

FEMA maps place 4786 Co Rd 286 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 292 policies
Nearby Flood Policies	292 in force
Nearby Flood Claims	51 (2017–2025)
Claims Outside the SFHA	2 of 51
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Beryl, Jul 2024 · 23 claims Hurricane Harvey, Aug 2017 · 14 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

Wildfire risk around 4786 Co Rd 286 is high, ranking above 77% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · above 70% of Texas
Wildfire Likelihood	0.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
MyJEC.net Fixed Wireless · Fiber in parts of the area	25 / 5
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile, Verizon.

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