549 Lower Elgin Rd, Elgin, TX 78621 Property Records

Bastrop County property record for 549 Lower Elgin Rd, Elgin, TX 78621

Property Summary

Property Type	Single Family Home
Details	2,185 sqft · built 2022
Lot Size	0.741 acres (32,278 sqft)
Owner	Individual Name on Record
Tax Bill	$9,011 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R8728814`

Property Details

APN / Parcel Number

Primary APN	`R8728814`

Interior

Stories	2 Stories
Building Area	2,185 sqft Living Area
Gross Area	2,810 sqft
1st Floor Area	1,909 sqft
2nd Floor Area	276 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Material	Composition Shingle
Lot Area	32,278 sqft (0.741 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	549 LOWER ELGIN RD
City	ELGIN
State	TX
Zip	78621-2491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWER ELGIN ROAD SUBDIVISION, LOT 5, ACRES 0.741
Legal Subdivision	LOWER ELGIN ROAD SUBDIVISION
Legal Lot Number	5
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1024
Census Tract	950101

Owner

Source: Bastrop County records, as of May 26, 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	549 LOWER ELGIN RD, ELGIN, TX 78621-2491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 21, 2023	Vendor's Lien, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC
May 13, 2022	Warranty Deed, Transfer AUSTIN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024
Deed Sale	Oct 23, 2024
Prior Sale	Sep 21, 2023 · Amount on Record
Deed Document Number	202416646
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	549 LOWER ELGIN RD, ELGIN, TX 78621-2491
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 LOWER ELGIN RD, ELGIN, TX 78621-2491

Mortgage

Document Number	0202600506
Date	Jan 13, 2026
Instrument	202600506

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BASTROP TX
Recording Date	Sep 21, 2023
Property Address	549 LOWER ELGIN RD, ELGIN, TX 78621-2491
Document Number	0202314198
Map Reference	CAB 7 PG 178B
Instrument Date	Sep 19, 2023
Instrument	202314198
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 LOWER ELGIN RD # ELGIN5, ELGIN5, ELGIN, TX 78621-2491

Mortgage

Document Number	0202314199
Date	Sep 21, 2023
Instrument	202314199

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BASTROP TX
Recording Date	May 13, 2022
Property Address	549 LOWER ELGIN RD, ELGIN, TX 78621-2491
Document Number	0202210673
Map Reference	CAB 7 PG 178B
Instrument Date	May 11, 2022
Instrument	202210673
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	AUSTIN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 ASHBETY COAST, GRAYS RIVER, WA 98621

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SCHNVILLE DR, ELGIN, TX 78621

Tax Assessment & Valuation

Source: Bastrop County assessment roll, as of May 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,011.00 (+12.85%)	$460,846 Land $101,067 Building $359,779	$460,846 Land $101,067 Building $359,779
2023	$7,985.00

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 April 22, 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 72% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AQUA WSC serves 86,325 people · EPA ID TX0110013
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	50 / 10

May also be available: VTX Communications.

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