Kerr County property record for 773 Lower Reservation Rd, Harper, TX 78631
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 1,792 sqft · built 2020 |
| Lot Size | 5.54 acres (241,322 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,990 (2026) |
| Deeds & Mortgages | Jan 2026 Line of Credit Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1482-1060-000331 |
| Primary APN | 1482-1060-000331 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,792 sqft Living Area |
| Gross Area | 2,533 sqft |
| 1st Floor Area | 1,792 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 241,322 sqft (5.54 acres) |
| Porch | Slab |
| Porch Area | 429 sqft |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 1482-1060-000331 |
|---|---|
| Street Address | 773 LOWER RESERVATION RD |
| City | HARPER |
| State | TX |
| Zip | 78631-5318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | ABS A1482 HEFFERNAN, SUR 1060,ACRES 5.54 |
| Legal Subdivision | HEFFERNAN, SUR 1060 |
| Jurisdiction | KERR TX |
| Township / Civil Division | INGRAM |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 960304 |
Source: Kerr County records, as of September 23, 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 | 773 LOWER RESERVATION RD, HARPER, TX 78631-5318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · Line of Credit FROST BANK |
| Feb 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SECURITY STATE BANK & TRUST |
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SECURITY STATE BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2015 |
| Deed Sale | Dec 22, 2015 |
| Deed Document Number | 20158271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERR TX |
| Property Address | 773 LOWER RESERVATION RD, HARPER, TX 78631-5318 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 773 LOWER RESERVATION RD, HARPER, TX 78631-5318 |
| Document Number | 0026000057 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 26-000057 |
| Name | FROST BANK |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78296 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERR TX |
| Property Address | 773 LOWER RESERVATION RD, HARPER, TX 78631-5318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAKE COUNTY ABSTRACT AND TITLE, KEAR COUNTY ABSTRACT & TITLE |
| Name | Verified Name |
|---|
| Document Number | 19001438 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 19-001438 |
| Name | SECURITY STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FREDERICKSBURG, TX 78624 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERR TX |
| Property Address | 773 LOWER RESERVATION RD, HARPER, TX 78631-5318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | KERR COUNTY ABSTRACT AND TITLE COMPANY, KERR CNTY ABSTRACT & TTL CO |
| Name | Verified Name |
|---|
| Document Number | 20003133 |
|---|---|
| Date | May 6, 2020 |
| Instrument | 20-003133 |
| Name | SECURITY STATE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FREDERICKSBURG, TX 78624 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
Source: Kerr County assessment roll, as of October 30, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Kerr County |
| Unified School District | Harper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,990.00 (+153.17%) | $336,102 (+0.01%) | $408,908 (-) Land $89,378 Building $319,530 |
| 2025 | $1,576.00 (+35.05%) Homeowner's exemption Senior Citizen's exemption | $336,058 (+9.48%) Land $16,528 Building $319,530 | $408,908 (+7.65%) Land $89,378 Building $319,530 |
| 2024 | $1,167.00 (-52.77%) | ||
| 2023 | $2,471.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $306,971 Land $16,487 Building $290,484 | $379,862 Land $89,378 Building $290,484 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 4, 2022 · 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 | 9 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 45% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| VTX Communications Fixed Wireless | 940 / 940 |
May also be available: AT&T, Hill Country Telecommunications, Nextlink, Verizon.
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