545 Highgate Dr, Bandera, TX 78003 Property Records

Bandera County property record for 545 Highgate Dr, Bandera, TX 78003

Property Summary

Property Type	Single Family Home
Details	1,877 sqft · built 2008
Lot Size	5.21 acres (226,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,520 (Jan 2023)
Tax Bill	$8,285 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19002-00000-2410`

Property Details

APN / Parcel Number

Primary APN	`19002-00000-2410`
Alternative APN	`180614`

Interior

Stories	1 Story
Building Area	1,877 sqft Living Area
1st Floor Area	1,877 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	226,948 sqft (5.21 acres)
Garage Type	Detached
Garage Area	1,225 sqft

Exterior Amenities

Porch	Slab
Porch Area	154 sqft
Deck Area	616 sqft
Patio Area	616 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	19002-00000-2410
Street Address	545 HIGHGATE DR
City	BANDERA
State	TX
Zip	78003-3552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDLEGATE 2 LT 241-242 5.21 ACRES
Legal Subdivision	BRIDLEGATE 2
Legal Lot Number	241,242
Jurisdiction	BANDERA TX
Township / Civil Division	BANDERA
Census Block Group	1
Census Block	1000
Census Tract	101

Owner

Source: Bandera County records, as of September 28, 2026

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	545 HIGHGATE DR, BANDERA, TX 78003-3552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Dec 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage FROST BANK
Jan 27, 2023	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 21, 2022	Owelty Deed, Transfer PRESERVE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on Record
Deed Sale	Jan 27, 2023 · Amount on Record
Prior Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	2023256939
Deed Book / Page	1300 / 32
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANDERA TX
Property Address	545 HIGHGATE DR, BANDERA, TX 78003-3552
Transaction Type	Mortgage
Record Updated	Feb 20, 2023
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001196/789
Date	Oct 30, 2020
Book Page	1196/789
Instrument	240162

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANDERA TX
Property Address	545 HIGHGATE DR, BANDERA, TX 78003-3552
Transaction Type	Mortgage
Record Updated	Feb 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HIGHGATE DR, BANDERA, TX 78003-3552

Mortgage

Document Number	001296/212
Date	Dec 2, 2022
Book Page	1296/212
Instrument	256217

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BANDERA TX
Recording Date	Jan 27, 2023
Property Address	545 HIGHGATE DR, BANDERA, TX 78003-3552
Document Number	0001300/32
Book / Page	1300 / 32
Map Reference	VOL 6 PG 369-383
Instrument Date	Jan 25, 2023
Instrument	256939
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	PRESERVE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HIGHGATE DR, BANDERA, TX 78003-3552

Mortgage

Document Number	0000256940
Date	Jan 27, 2023
Instrument	256940

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2022: Owelty Deed, Transfer

Document Type	Owelty Deed
Jurisdiction	BANDERA TX
Recording Date	Dec 21, 2022
Property Address	545 HIGHGATE DR, BANDERA, TX 78003-3552
Document Number	001297/600
Book / Page	1297 / 600
Map Reference	VOL 6 PG 369-383
Instrument Date	Nov 11, 2022
Instrument	256486
Transaction Type	Transfer
Record Updated	Feb 20, 2023
Title Company	PRESERVE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HIGHGATE DR, BANDERA, TX 78003-3552

Tax Assessment & Valuation

Source: Bandera County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Bandera County
Unified School District	Bandera Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,285.00 (+1.87%)	$610,410 (+7.49%) Land $169,640 Building $440,770	$610,410 (+7.49%) Land $169,640 Building $440,770
2024	$8,133.00 (+72.93%)
2023	$4,703.00 Homeowner's exemption	$567,850 Land $137,390 Building $430,460	$567,850 Land $137,390 Building $430,460

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 October 1, 2024 · 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 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	16 (1991–2016)
Claims Outside the SFHA	6 of 16
Most Recent Claim	May 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2016 · 10 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	Moderate above 59% of the US · above 40% of Texas
Wildfire Likelihood	0.1% 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	BRIDLEGATE SUBDIVISION private · serves 882 people · EPA ID TX0100092
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BEC Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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