5309 Papaya Cir, Harlingen, TX 78552 Property Records

Cameron County property record for 5309 Papaya Cir, Harlingen, TX 78552

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,589 sqft · built 1981
Lot Size	0.427 acres (18,616 sqft)
Owner	Individual Name on Record
Tax Bill	$4,307 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458080-0080-001000`

Property Details

APN / Parcel Number

Primary APN	`458080-0080-001000`
Alternative APN	`91250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,589 sqft Living Area
Gross Area	3,009 sqft
1st Floor Area	2,421 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,616 sqft (0.427 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	2,089 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	216 sqft
Porch	Open Frame Porch
Porch Area	405 sqft
Deck Area	1,620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	5309 PAPAYA CIR
City	HARLINGEN
State	TX
Zip	78552-8956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	PALM VALLEY- PALM VALLEY ESTS 3 LOT 1 BLK 8
Legal Subdivision	PALM VALLEY ESTATES SUBDIVISION 3
Legal Block	8
Legal Lot Number	1
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	1
Census Block	1019
Census Tract	10405

Owner

Source: Cameron County records, as of August 13, 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	5309 PAPAYA CIR, HARLINGEN, TX 78552-8956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 21, 2021	Warranty Deed, Transfer RIO GRANDE VALLEY ABSTRACT, RIO GRANDE VALLEY ABSTRACT C
Jul 13, 2017	Vendor's Lien, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021
Deed Sale	May 21, 2021
Prior Sale	Jul 13, 2017 · Amount on Record
Deed Document Number	202122544
Prior Transfer Date	Jul 11, 2017
Prior Transfer Doc	022737/236
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	5309 PAPAYA CIR, PALM VALLEY, TX 78552-8956
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5309 PAPAYA CIR, HARLINGEN, TX 78552-8956

Mortgage

Document Number	0020269108
Date	Mar 16, 2026
Instrument	2026-9108

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMERON TX
Recording Date	May 21, 2021
Property Address	5309 PAPAYA CIR, HARLINGEN, TX 78552-8956
Document Number	0202122544
Map Reference	VOL 22 PG 41
Instrument Date	May 19, 2021
Instrument	2021-22544
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	RIO GRANDE VALLEY ABSTRACT, RIO GRANDE VALLEY ABSTRACT C

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5407 PALM VALLEY DR N, 5407, HARLINGEN, TX 78552-9052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 N LOOP 499 # 406, 406, HARLINGEN, TX 78550-1676

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CAMERON TX
Recording Date	Jul 13, 2017
Property Address	5309 PAPAYA CIR, HARLINGEN, TX 78552-8956
Document Number	22737/236
Book / Page	22737 / 236
Map Reference	VOL 22 PG 41
Instrument Date	Jul 11, 2017
Instrument	2017-00027072
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	CALSIERRA TITLE COMPANY, SIERRA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5309 PAPAYA CIR, 5309, HARLINGEN, TX 78552-8956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 CHAPOTE AVE, HARLINGEN, TX 78552-6756

Mortgage

Document Number	201700027073
Date	Jul 13, 2017
Instrument	2017-00027073

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Cameron County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cameron County
Municipality	Palm Valley City
Unified School District	Harlingen Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$355,243 (+9.63%) Land $120,073 Building $235,170	$355,243 (-0.39%) Land $120,073 Building $235,170
2025	$4,307.00 (-12.73%) Homeowner's exemption Senior Citizen's exemption	$324,051 (-1.64%)	$356,628 (+8.25%) Land $120,073 Building $236,555
2024	$4,935.00 (-2.39%)
2023		$329,454 Land $84,703 Building $244,751	$329,454 Land $84,703 Building $244,751
2022	$5,056.00

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 July 18, 2018 · 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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 336 policies
Nearby Flood Policies	336 in force
Nearby Flood Claims	159 (2008–2025)
Claims Outside the SFHA	159 of 159
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2025 · 151 claims Hurricane Dolly, Jul 2008 · 3 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 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.05% 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	CITY OF PALM VALLEY serves 1,310 people · EPA ID TX0310027
Water Source	Purchased surface water from HARLINGEN WATER WORKS SYSTEM
Last State Inspection	Jan 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 304 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
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
RGV Communications Fixed Wireless	100 / 100

May also be available: Smartcom Telephone.

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