5331 Papaya Cir, Harlingen, TX 78552 Property Records

Cameron County property record for 5331 Papaya Cir, Harlingen, TX 78552

Property Summary

Property Type	Single Family Home
Details	3,642 sqft · built 1998
Lot Size	0.343 acres (14,941 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Feb 1997)
Tax Bill	$4,291 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`458080-0090-012000`

Property Details

APN / Parcel Number

Primary APN	`458080-0090-012000`
Alternative APN	`91268`

Interior

Stories	1 Story
Building Area	3,642 sqft Living Area
Gross Area	4,285 sqft
1st Floor Area	3,642 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Lot Area	14,941 sqft (0.343 acres)
Lot Width	73 ft Width
Garage Type	Attached
Garage Area	643 sqft
Driveway	Concrete Driveway
Driveway Area	2,800 sqft
Parking Spaces	2 Parking Spaces
Pool Area	540 sqft
Porch	Open Porch
Porch Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	5331 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 VALLEY- PALM VALLEY ESTS 3 LOT 12 BLK 9
Legal Subdivision	PALM VALLEY ESTATES SUBDIVISION 3
Legal Block	9
Legal Lot Number	12
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 October 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	5331 PAPAYA CIR, HARLINGEN, TX 78552-8956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 1997 · Amount on Record
Deed Sale	Feb 20, 1997 · Amount on Record
Deed Document Number	19975669
Deed Book / Page	4231 / 313
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	5331 PAPAYA CIR, HARLINGEN, TX 78552-8956
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	SAN JACINTO TITLE SERVICES, SAN JACINTO TTL SVCS BROWNSV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202223056
Date	Jun 2, 2022
Instrument	2022-23056

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMERON TX
Property Address	5331 PAPAYA CIR, HARLINGEN, TX 78552-8956
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALSIERRA TITLE COMPANY, SIERRA TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22909/065
Date	Sep 28, 2017
Book Page	22909/065
Instrument	2017-00037006

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$422,955 (+1.9%) Land $123,263 Building $299,692	$422,955 (-0.86%) Land $123,263 Building $299,692
2025	$4,291.00 (-35.29%) Homeowner's exemption Senior Citizen's exemption	$415,083 (-4.34%) Land $123,263 Building $303,347	$426,610 (-1.69%) Land $123,263 Building $303,347
2023		$433,922 Land $123,263 Building $310,659	$433,922 Land $123,263 Building $310,659
2022	$6,631.00

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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