640 Co Rd 474, Elgin, TX 78621 Property Records

Williamson County property record for 640 Co Rd 474, Elgin, TX 78621 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,043 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$472,500 (Jul 2020)
Tax Bill	$7,033 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-01-1570-0000-0001`

Property Details

APN / Parcel Number

Primary APN	`R-01-1570-0000-0001`
Alternative APNs	`R347839` `180960`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,043 sqft Living Area
1st Floor Area	1,371 sqft
2nd Floor Area	672 sqft
Flooring	Carpet

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2008
Exterior Material	Wood
Roof Type	Gable
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R01157000000001
Street Address	640 COUNTY ROAD 474
City	ELGIN
State	TX
Zip	78621-5326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S6075 - LIGHT ACRES, LOT 1, ACRES 5
Legal Subdivision	LIGHT ACRES
Legal Block	3
Legal Lot Number	1
Jurisdiction	WILLIAMSON TX
Township / Civil Division	TAYLOR
Census Block Group	3
Census Block	3115
Census Tract	20900

Owner

Source: Williamson County records · APN R-01-1570-0000-0001

Assessment roll updated September 15, 2025 · Last verified July 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 File
Mailing Address	640 COUNTY ROAD 474, ELGIN, TX 78621-5326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 08, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG
Mar 18, 2020	Warranty Deed, Transfer FITCH CONSULTING GROUP LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 08, 2020 · Amount on Record
Deed Sale	Jul 08, 2020 · Amount on Record
Prior Sale	Mar 18, 2020 · Amount on Record
Deed Document Number	202074662
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TX
Property Address	640 COUNTY ROAD 474, ELGIN, TX 78621-5326
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 COUNTY ROAD 474, ELGIN, TX 78621-5326

Mortgage

Document Number	0000141445
Date	Dec 29, 2022
Instrument	2022141445

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TX
Recording Date	Jul 08, 2020
Property Address	640 COUNTY ROAD 474, ELGIN, TX 78621-5326
Document Number	0000074662
Instrument Date	Jul 07, 2020
Instrument	74662
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	640 COUNTY ROAD 474 ELGIN TX 786215326, ELGIN, TX 78621-5326

Mortgage

Document Number	74663
Date	Jul 08, 2020
Instrument	74663

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 07, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TX
Recording Date	Mar 18, 2020
Property Address	640 COUNTY ROAD 474, ELGIN, TX 78621-5326
Document Number	0000028031
Instrument Date	Mar 11, 2020
Instrument	28031
Transaction Type	Transfer
Record Updated	May 01, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1792 STARWOOD DR CEDAR PARK TX 786139012, CEDAR PARK, TX 78613-9012

Mortgage

Document Number	28032
Date	Mar 18, 2020
Instrument	28032

Lender

Name	FITCH CONSULTING GROUP LLC
Address	708 TIMBER CREEK CV, ROUND ROCK, TX 78665-5652

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Williamson County records · Assessment roll updated September 15, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,033.00 (-22.23%) Homeowner's exemption	$511,929 (-4.61%) Land $210,000 Building $301,929	$511,929 (-4.61%) Land $210,000 Building $301,929
2023	$9,043.00 (-3.96%)	$536,679 Land $225,000 Building $311,679	$536,679 Land $225,000 Building $311,679
2022	$9,416.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Williamson County (48491C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 484910209003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1991–2007)
Most Recent Claim	Jul 2007, rainfall accumulation, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 26% of Texas
Wildfire Likelihood	About 1 in 1,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: JAB Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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