Hays County property record for 491 Middle Crk, Buda, TX 78610
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,060 sqft · built 2007 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,341 (2024) |
| Deeds & Mortgages | May 2023 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 119479000O017002 |
| Primary APN | 119479000O017002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 2,480 sqft |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | 145 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R121980 |
|---|---|
| Old Parcel Number | 119479000O017002 |
| Street Address | 491 MIDDLE CRK |
| City | BUDA |
| State | TX |
| Zip | 78610-2765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING HOLLOW PHASE 1 SEC 2B, BLOCK O, LOT 17 TAX CODES:GHA,RSP,SHA,ACCD |
| Legal Subdivision | WHISPERING HOLLOW PHASE 1 SEC 2B |
| Legal Phase | 1 |
| Legal Block | O |
| Legal Lot Number | 17 |
| Jurisdiction | HAYS TX |
| Township / Civil Division | KYLE-BUDA |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 10915 |
Source: Hays County records, as of October 15, 2025
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 | PO BOX 1229, BUDA, TX 78610-1229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED HERITAGE CU |
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Nov 26, 2018 | Warranty Deed, Transfer · FHA Mortgage UNIVERSITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2018 |
| Deed Sale | Nov 26, 2018 |
| Prior Sale | Jan 29, 2010 |
| Deed Document Number | 18041305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYS TX |
| Property Address | 491 MIDDLE CRK, BUDA, TX 78610-2765 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000017119 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 23017119 |
| Name | UNITED HERITAGE CU |
|---|---|
| Type | Credit Union |
| Address | AUSTIN, TX 78759 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 5, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYS TX |
| Property Address | 491 MIDDLE CRK, BUDA, TX 78610-2765 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000061172 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 20061172 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYS TX |
| Recording Date | Nov 26, 2018 |
| Property Address | 491 MIDDLE CRK, BUDA, TX 78610-2765 |
| Document Number | 0000041305 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 41305 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2018 |
| Title Company | INDEPENDENCE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 491 MIDDLE CREEK DR BUDA TX 78610, BUDA, TX 78610 |
| Document Number | 41306 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 41306 |
| Name | UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | AUSTIN, TX 78759 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2048 |
Source: Hays County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Buda City |
| County | Hays County |
| Unified School District | Hays Consolidated Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $424,580 (+15.6%) Land $94,160 Building $330,420 | $424,580 (-17.69%) Land $94,160 Building $330,420 | |
| 2024 | $7,341.00 (+5.79%) | ||
| 2023 | $367,274 Land $116,820 Building $399,020 | $515,840 Land $116,820 Building $399,020 | |
| 2022 | $6,939.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 21, 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 |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 90% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF BUDA serves 13,830 people · EPA ID TX1050012 |
|---|---|
| Water Source | Purchased surface water from GBRA IH-35 TRANSMISSION MAIN |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 538 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 |
| Verizon Fixed Wireless | 300 / 20 |
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