815 Ross Cir, Lockhart, TX 78644 Property Records

Caldwell County property record for 815 Ross Cir, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1977
Lot Size	0.258 acres (11,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$401,793 (Oct 2022)
Tax Bill	$5,989 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0300554-002-008-00`

Property Details

APN / Parcel Number

Primary APN	`0300554-002-008-00`
Alternative APNs	`R20027` `20027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Utility Area	84 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2001
Architectural Style	Georgian
Exterior Material	Concrete Block
Lot Area	11,252 sqft (0.258 acres)
Lot Dimensions	120 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	178 sqft
Patio Area	80 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20027
Street Address	815 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 8
Legal Subdivision	ROLLING GREENS ESTATES
Legal Block	2
Legal Lot Number	8
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	3
Census Block	3012
Census Tract	960300

Owner

Source: Caldwell County records, as of August 18, 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 Record
Mailing Address	815 ROSS CIR, LOCKHART, TX 78644-3623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Vendor's Lien, Transfer · Conventional Mortgage INDEPENDENT BANK
Jun 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Prior Sale	Dec 4, 2015 · Amount on Record
Deed Document Number	20228421
Prior Transfer Date	Oct 23, 2015
Prior Transfer Doc	2015007694
Record Updated	Sep 20, 2026

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Oct 24, 2022
Property Address	815 ROSS CIR, LOCKHART, TX 78644-3623
Document Number	2022008421
Map Reference	VOL 355 PG 599
Instrument Date	Oct 20, 2022
Instrument	2022-008421
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 ROSS CIR, LOCKHART, TX 78644-3623

Mortgage

Document Number	2022008422
Date	Oct 24, 2022
Instrument	2022-008422

Lender

Name	INDEPENDENT BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	815 ROSS CIR, LOCKHART, TX 78644-3623
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002733
Date	Jun 3, 2020
Instrument	2020-002733

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	815 ROSS CIR, LOCKHART, TX 78644-3623
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001237
Date	Mar 2, 2021
Instrument	2021-001237

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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	$5,989.00 (+5.03%)
2025		$300,680 (-5.45%) Land $76,730 Building $223,950	$300,680 (-5.45%) Land $76,730 Building $223,950
2024	$5,702.00 (+6.14%)
2023	$5,372.00 (+73.96%) Homeowner's exemption Senior Citizen's exemption	$318,000 Land $68,411 Building $249,589	$318,000 Land $68,411 Building $249,589
2022	$3,088.00

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

Flood

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

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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