Home Texas Cameron County Harlingen S M St
609 S M St, Harlingen, TX 78550 Property Records
Cameron County property record for 609 S M St, Harlingen, TX 78550
Property Summary
Property Type Single Family Home Details 1,104 sqft · built 1974 Lot Size 0.161 acres (7,017 sqft) Owner Individual Name on File Last Sale $148,755 (Jul 2026) Tax Bill $1,855 (2025) Deeds & Mortgages Jul 2026 Mortgage Feb 2025 Construction Loan + 3 more Flood Zone Zone X (minimal risk)APN 236970-0120-011000
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Property Details APN / Parcel Number
Primary APN 236970-0120-011000 Alternative APN
Interior
Stories 1 Story Building Area 1,104 sqft Living Area 1st Floor Area 1,104 sqft Flooring Wood Interior Walls Wallboard/Drywall
Exterior
Year Built Built 1974 Effective Year Built Effective 1974 Exterior Material Wood Frame Foundation Type Pier/Post & Beam Roof Type Gable/Hip Lot Area 7,017 sqft (0.161 acres) Lot Dimensions 138 ft deep x 51 ft wide Porch Open Porch Porch Area 220 sqft
Location & Zoning Street Address 609 S M ST City HARLINGEN State TX Zip 78550-6152 Property Category Residential Property Type Residential > Single Family > Home Legal Description SOUTHWEST HARLINGEN SUBDIVISION LOT 11 BLK 12 Legal Subdivision SOUTHWEST HARLINGEN SUBDIVISION Legal Block 12 Legal Lot Number 11 Jurisdiction CAMERON TX Township / Civil Division HARLINGEN-SAN BENITO Census Block Group 2 Census Block 2009 Census Tract 10500
Owner
609 S M St is owned by an individual who bought it in July 2026.
Source: Cameron County records, as of October 13, 2026
Owner of Record Individual Name on File Mailing Address 3775 BOCA CHICA BLVD, BROWNSVILLE, TX 78521-4141 Owner Type Individual Vesting Single Woman
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial .
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Deeds, Mortgages & Sale History
Date Document Jul 24, 2026 Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION Feb 3, 2025 Deed of Trust, Mortgage · Construction Mortgage HOMETOWN EQUITY MORTGAGE Mar 21, 2024 Deed of Trust, Mortgage ELOY VILLARREAL Dec 27, 2024 Intrafamily Transfer, Transfer Mar 5, 2024 Vendor's Lien, Transfer · Construction Mortgage SCF JAKE LP
Assessor's Deed Record
Deed Names Name on Deed Last Sale Jul 24, 2026 · Amount on File Deed Sale Jul 24, 2026 · Amount on File Deed Document Number 202626691 Record Updated Oct 29, 2026
July 2026: Deed, Transfer Document Type Deed Jurisdiction CAMERON TX Recording Date Jul 24, 2026 Property Address 609 S M ST, HARLINGEN, TX 78550-6152 Document Number 0000026691 Instrument Date Jul 23, 2026 Instrument 202626691 Transaction Type Transfer Record Updated Oct 23, 2026 Title Company TRUE TITLE, TRUE TITLE LOWER VALLEY
Transaction
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 3775 BOCA CHICA BLVD, BROWNSVILLE, TX 78521-4141
Mortgage
Document Number 0000026692, Date Jul 24, 2026 Instrument 202626692
Lender
Name FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Agreement
Type FHA MortgageAmount Amount on Record Term 360 Months Due Aug 1, 2056
Interest
Mortgage
Document Number 0000026711, Date Jul 24, 2026 Instrument 202626711
Lender
Name TEXAS STATE AFFORDABLE HSNG COMPANY
Agreement
Amount Amount on Record Term 36 Months Due Jul 23, 2029
Interest
February 2025: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction CAMERON TX Property Address 609 N S ST, HARLINGEN, TX 78550-5231 Transaction Type Mortgage Record Updated Oct 14, 2025
Transferred To (Grantee/Buyer)
Name Verified Name Address PO BOX 116, LOS INDIOS, TX 78567-0116
Mortgage
Document Number 0020253725 Date Feb 3, 2025 Instrument 2025-3725
Lender
Name HOMETOWN EQUITY MORTGAGE Type Mortgage Company Address LAKE FOREST, CA 92630
Agreement
Type Construction Mortgage Amount Amount on Record Term 480 Months Due Feb 1, 2065
Interest
March 2024: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction CAMERON TX Property Address 609 N S ST, HARLINGEN, TX 78550-5231 Transaction Type Mortgage Record Updated Oct 14, 2025 Title Company STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Transferred To (Grantee/Buyer)
Mortgage
Document Number 0202409934 Date Mar 21, 2024 Instrument 2024-09934
Lender
Name ELOY VILLARREAL Type Private Party
Agreement
December 2024: Intrafamily Transfer, Transfer Document Type Intrafamily Transfer Jurisdiction CAMERON TX Recording Date Dec 27, 2024 Property Address 609 N S ST, HARLINGEN, TX 78550-5231 Document Number 0202444534 Map Reference VOL 12 PG 45 Instrument Date Dec 23, 2024 Instrument 2024-44534 Transaction Type Transfer Record Updated Oct 14, 2025
Transaction
Transferred From (Grantor/Seller)
Name Verified Name Address 19545 THIEME RD, HARLINGEN, TX 78552-2825
Transferred To (Grantee/Buyer)
Name Verified Name Address 19545 THIEME RD, HARLINGEN, TX 78552-2825
March 2024: Vendor's Lien, Transfer Document Type Vendor's Lien Jurisdiction CAMERON TX Recording Date Mar 5, 2024 Property Address 609 N S ST, HARLINGEN, TX 78550-5231 Document Number 0202407760 Map Reference VOL 12 PG 45 Instrument Date Feb 23, 2024 Instrument 2024-07760 Transaction Type Transfer Record Updated Oct 14, 2025 Title Company STEWART TITLE-BITTERS, STEWART TITLE BITTERS
Transaction
Transferred From (Grantor/Seller)
Name Verified Name Address 3308 HUMMINGBIRD AVE, MCALLEN, TX 78504-5013
Transferred To (Grantee/Buyer)
Name Verified Name Address PO BOX 116, LOS INDIOS, TX 78567-0116
Mortgage
Document Number 0202407761 Date Mar 5, 2024 Instrument 2024-07761
Lender
Name SCF JAKE LP Type Non-Lending Institution Special Notes Seller Financed
Agreement
Type Construction Mortgage Amount Amount on Record
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Tax Assessment & Valuation
The 2025 property tax bill for 609 S M St was $1,855, up 354.7% from the year before.
Source: Cameron County assessment roll, as of August 13, 2026
Property Jurisdictions
Type Name State Texas County Cameron County Municipality Harlingen City Unified School District Harlingen Consolidated Independent School District (PK - 12)
Tax Bill & Assessment History
Year Tax Bill Assessed Value Assessed Market Value 2026 $95,807 (-) Land $45,259 Building $50,548 $95,807 (-) Land $45,259 Building $50,548 2025 $1,855.00 (+354.66%) $95,807 Land $45,259 Building $50,548 $95,807 Land $45,259 Building $50,548 2024 $408.00 (+0.25%) 2023 $407.00 (+4.09%) Homeowner's exemption Disabled Person's exemption Additional exemption filed $82,475 Land $31,927 Building $50,548 $82,475 Land $31,927 Building $50,548 2022 $391.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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Flood
FEMA maps place 609 S M St in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer, effective July 18, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone Zone Xminimal risk Flood Insurance Requirement Not requiredlenders may require it Flood Insurance Cost Premium on File median of 25 policies Nearby Flood Policies 25 in force Nearby Flood Claims 36 (1982–2025) Claims Outside the SFHA 36 of 36 Most Recent Claim Mar 2025 · Severe Storms And Flooding Claims by Event Severe Storms And Flooding, Mar 2025 · 14 claims Hurricane Dolly, Jul 2008 · 6 claims Severe Storms, Tornadoes & Flooding, Apr 1991 · 2 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
Wildfire risk around 609 S M St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk Lowlower than 98% of the US · lower than 98.8% of Texas Wildfire Likelihood Under 0.01% annual chance Exposure Nonebeyond 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 HARLINGEN WATER WORKS SYSTEMserves 85,900 people · EPA ID TX0310002 Water Source Surface water Last State Inspection Sep 2025 Lead Under 1 ppb (2022–2024)action level 15 ppb
Violations Reported to EPA
Water Quality Nonelast 10 years Treatment and Procedure Nonelast 10 years Monitoring and Reporting Nonelast 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 782 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) SpectrumCable · Fiber in parts of the area 1,000 / 1,000 MetronetFiber 1,000 / 1,000 VTX CommunicationsFixed Wireless 400 / 50 VerizonFixed Wireless 300 / 20 RGV CommunicationsFixed Wireless 100 / 100 AT&TFixed Wireless 100 / 20 T-MobileFixed Wireless 100 / 20
May also be available: Smartcom Telephone.
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