645 FM 86, Luling, TX 78648 Property Records

Caldwell County property record for 645 FM 86, Luling, TX 78648

Property Summary

Property Type	Single Family Home
Details	468 sqft · built 2008
Lot Size	3.99 acres (173,804 sqft)
Owner	Individual Name on File
Tax Bill	$5,237 (2026)
Flood Zone	Zone X (minimal risk)
APN	`0500872-000-020-00`

Property Details

APN / Parcel Number

Primary APN	`0500872-000-020-00`
Alternative APNs	`R43326` `43326`

Interior

Stories	1 Story
Building Area	468 sqft Living Area
1st Floor Area	468 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Lot Area	173,804 sqft (3.99 acres)

Exterior Amenities

Shed	1 Shed
Shed Area	48 sqft
Storage Building	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	43326
Street Address	645 FM 86
City	LULING
State	TX
Zip	78648-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER CREEK ESTATES, LOT 2, ACRES 3.99, LABEL1 RAD025063
Legal Subdivision	SILVER CREEK ESTATES
Legal Lot Number	2
Jurisdiction	CALDWELL TX
Township / Civil Division	LULING
Census Block Group	1
Census Block	1001
Census Tract	960701

Owner

645 FM 86 is owned and occupied by an individual.

Source: Caldwell County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	645 FM 86, LULING, TX 78648-1529
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 645 FM 86 was $5,237.

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,237.00	$369,650 (+4.7%) Land $253,910 Building $115,740	$369,650 (+4.7%) Land $253,910 Building $115,740
2025		$353,060 Land $233,200 Building $119,860	$353,060 Land $233,200 Building $119,860
2024	$4,970.00
2023		$322,980 Land $234,080 Building $88,900	$322,980 Land $234,080 Building $88,900
2022	$4,241.00

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

Flood

FEMA maps place 645 FM 86 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 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
Nearby Flood Policies	3 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

Wildfire risk around 645 FM 86 is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 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
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	400 / 50

May also be available: Guadalupe Valley Electric Cooperative, T-Mobile, Verizon.