807 Ross Cir, Lockhart, TX 78644 Property Records

Caldwell County property record for 807 Ross Cir, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,651 sqft · built 1978
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Individual Names on File
Last Sale	$263,340 (Sep 2025)
Tax Bill	$6,131 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0300554-002-004-00`

Property Details

APN / Parcel Number

Primary APN	`0300554-002-004-00`
Alternative APNs	`R20023` `20023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,651 sqft Living Area
1st Floor Area	1,651 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1989
Architectural Style	Georgian
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Reinforced Concrete
Lot Area	10,202 sqft (0.234 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Patio Area	24 sqft
Storage Building	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20023
Street Address	807 ROSS CIR
City	LOCKHART
State	TX
Zip	78644-3623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROLLING GREENS ESTATES, BLOCK 2, LOT 4
Legal Subdivision	ROLLING GREENS ESTATES
Legal Block	2
Legal Lot Number	4
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	3
Census Block	3012
Census Tract	960300

Owner

807 Ross Cir is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	807 ROSS CIR, LOCKHART, TX 78644-3623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 8, 2025	Vendor's Lien, Transfer · Conventional Mortgage UNIVERSITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on File
Deed Sale	Sep 8, 2025 · Amount on File
Prior Sale	Nov 19, 2015 · Amount on File
Deed Document Number	20256642
Prior Transfer Date	Jun 12, 2008
Prior Transfer Doc	000540/762
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	807 ROSS CIR, LOCKHART, TX 78644-3623
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020006278
Date	Nov 4, 2020
Instrument	2020-006278

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2045

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	807 ROSS CIR, LOCKHART, TX 78644-3623
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022004421
Date	Jun 7, 2022
Instrument	2022-004421

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Sep 8, 2025
Property Address	807 ROSS CIR, LOCKHART, TX 78644-3623
Document Number	2025006642
Map Reference	VOL 355 PG 599
Instrument Date	Sep 5, 2025
Instrument	2025-006642
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	CORRIDOR TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80N ROSS CIRCLE, LOCKHART, TX 78644

Mortgage

Document Number	2025006643
Date	Sep 8, 2025
Instrument	2025-006643

Lender

Name	UNIVERSITY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 807 Ross Cir was $6,131 with exemptions applied, up 11.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Caldwell County
Municipality	Lockhart City
Unified School District	Lockhart Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,131.00 (+11.68%)	$220,000 (-18.54%) Land $52,187 Building $167,813	$220,000 (-28.7%) Land $52,187 Building $167,813
2025	$5,490.00 (+56.86%) Homeowner's exemption Senior Citizen's exemption	$270,072 (+1%) Land $70,480 Building $238,090	$308,570 (-8.63%) Land $70,480 Building $238,090
2024	$3,500.00 (+7.73%) Homeowner's exemption Senior Citizen's exemption	$245,520 (+1%) Land $70,480 Building $267,240	$337,720 (-2.98%) Land $70,480 Building $267,240
2023	$3,249.00 (-23.26%) Homeowner's exemption	$223,200 Land $70,480 Building $277,620	$348,100 Land $70,480 Building $277,620
2022	$4,234.00

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

Flood

FEMA maps place 807 Ross Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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 807 Ross Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CITY OF LOCKHART serves 18,800 people · EPA ID TX0280001
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 214 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	300 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Spry Air Fiber.

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