5315 Papaya Cir, Harlingen, TX 78552 Property Records

Cameron County property record for 5315 Papaya Cir, Harlingen, TX 78552

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,556 sqft · built 1998
Lot Size	0.302 acres (13,172 sqft)
Owner	Individual Name on Record
Last Sale	$375,300 (Jun 2021)
Tax Bill	$7,245 (2022)
Deeds & Mortgages	Aug 2025 Line of Credit Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`458080-0090-014000`

Property Details

APN / Parcel Number

Primary APN	`458080-0090-014000`
Alternative APN	`91270`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,556 sqft Living Area
Gross Area	4,338 sqft
1st Floor Area	3,556 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Lot Area	13,172 sqft (0.302 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	782 sqft
Driveway	Concrete Driveway
Driveway Area	2,300 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	582 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	5315 PAPAYA CIR
City	HARLINGEN
State	TX
Zip	78552-8956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-C
Legal Description	PALM VL- PALM VALLEY ESTATES -3 LOT 14 BLK 9
Legal Subdivision	PALM VALLEY ESTATES SUBDIVISION 3
Legal Block	9
Legal Lot Number	14
Jurisdiction	CAMERON TX
Township / Civil Division	HARLINGEN-SAN BENITO
Census Block Group	1
Census Block	1018
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	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2025	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Dec 15, 2025	Vendor's Lien, Transfer PARAMOUNT RESIDENTIAL MORTGAGE GROU
Jun 30, 2021	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	May 17, 2010 · Amount on Record
Deed Document Number	202128831
Prior Transfer Date	Jun 21, 2021
Prior Transfer Doc	0202128831
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956

Mortgage

Document Number	0202527541
Date	Aug 7, 2025
Instrument	2025-27541

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CAMERON TX
Recording Date	Dec 15, 2025
Property Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956
Document Number	0202543746
Map Reference	VOL 6 PG 19
Instrument Date	Dec 15, 2025
Instrument	2025-43746
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956

Mortgage

Date	Dec 15, 2025

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CAMERON TX
Recording Date	Jun 30, 2021
Property Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956
Document Number	0202128831
Map Reference	VOL 22 PG 41
Instrument Date	Jun 21, 2021
Instrument	2021-28831
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	CALSIERRA TITLE COMPANY, SIERRA TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 PAPAYA CIR, HARLINGEN, TX 78552-8956

Mortgage

Document Number	0202128832
Date	Jun 30, 2021
Instrument	2021-28832

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$475,021 (+4.93%) Land $108,669 Building $366,352	$475,021 (-) Land $108,669 Building $366,352
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$452,683 (-4.7%) Land $108,669 Building $366,352	$475,021 (-) Land $108,669 Building $366,352
2023		$475,021 Land $108,669 Building $366,352	$475,021 Land $108,669 Building $366,352
2022	$7,245.00

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 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 347 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: AT&T, Metronet.

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