832 Lower Elgin Rd, Elgin, TX 78621 Property Records

Bastrop County property record for 832 Lower Elgin Rd, Elgin, TX 78621 · Last verified June 2026

Property Summary

Property Type	Rural Home
Details	1,681 sqft · built 2004
Lot Size	5 acres (218,018 sqft)
Owner	2 Individual Names on File
Last Sale	$257,450 (Jul 2016)
Tax Bill	$8,905 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R97788`

Property Details

APN / Parcel Number

Primary APN	`R97788`
Alternative APN	`O0004041`

Interior

Stories	1 Story
Building Area	1,681 sqft Living Area
Gross Area	1,933 sqft
1st Floor Area	1,681 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	218,018 sqft (5 acres)
Garage Type	Detached
Garage Area	1,230 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	352 sqft
Storage Building	80 sqft
Pole Barn	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	832 LOWER ELGIN RD
City	ELGIN
State	TX
Zip	78621-5500
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	CARRIGAN SUBDIVISION, LOT 1, ACRES 5.005
Legal Subdivision	CARRIGAN SUBDIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	BASTROP TX
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1020
Census Tract	950101

Owner

Source: Bastrop County records · APN R97788

Assessment roll updated May 26, 2026 · Last verified June 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	832 LOWER ELGIN RD, ELGIN, TX 78621-5500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2016 · Amount on Record
Deed Sale	Jul 06, 2016 · Amount on Record
Deed Document Number	20168623
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BASTROP TX
Property Address	832 LOWER ELGIN RD, ELGIN, TX 78621-5500
Transaction Type	Mortgage
Record Updated	Jul 20, 2021
Title Company	TEXAS NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202022016
Date	Dec 15, 2020
Instrument	202022016

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Bastrop County records · Assessment roll updated May 26, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bastrop County
Unified School District	Elgin 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	$8,905.00 (+12.31%) Homeowner's exemption	$543,390 (-7.65%) Land $271,765 Building $271,625	$543,390 (-7.65%) Land $271,765 Building $271,625
2024	$7,929.00
2023	Homeowner's exemption	$588,389 Land $271,765 Building $316,624	$588,389 Land $271,765 Building $316,624
2022	$7,760.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bastrop County (48021C), updated April 22, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480219501011, 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
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 28% of Texas
Wildfire Likelihood	About 1 in 943 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.