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960 Lower Reservation Rd, Harper, TX 78631 Property Records

Kerr County property record for 960 Lower Reservation Rd, Harper, TX 78631 · Last verified November 2025

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,728 sqft · built 1988
Lot Size10.7 acres (467,834 sqft)
OwnerIndividual Name on File
Deeds & MortgagesApr 2021 Mortgage
Feb 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN4593-0003-004000

Property Details

APN / Parcel Number

Primary APN4593-0003-004000
Alternative APN
  • 43211

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,728 sqft Living Area
1st Floor Area1,728 sqft

Exterior

Year BuiltBuilt 1988
Architectural StyleMobile/Manufactured
Lot Area467,834 sqft (10.7 acres)
Garage TypeMixed
Garage Area420 sqft
CarportCarport
Carport Area360 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area12 sqft
Deck Area64 sqft
Patio Area208 sqft
Canopy216 sqft
Storage Building96 sqft
Pole Barn549 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number4593-0003-004000
Old Parcel Number43211
Street Address960 LOWER RESERVATION RD
CityHARPER
StateTX
Zip78631-5319
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionKERR VISTA RANCH 2 BLK C LOT LT 4 & 5 ACRES 10.74 S# PH054796A S# PH054796B TITLE # 00504291,HUD# TEX0436797;HUD#2 TEX0436798
Legal SubdivisionKERR VISTA RANCH 2
Legal BlockC
Legal Lot NumberLT
JurisdictionKERR TX
Township / Civil DivisionINGRAM
Census Block Group1
Census Block1094
Census Tract960304

Owner

Source: Kerr County records · APN 4593-0003-004000

Assessment roll updated September 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address960 LOWER RESERVATION RD, HARPER, TX 78631-5319
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2021Deed of Trust, Mortgage · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 19, 2019Vendor's Lien, Transfer
CASTLE & COOKE MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 19, 2019
Deed SaleFeb 19, 2019
Deed Document Number19-001176
Record UpdatedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKERR TX
Property Address960 LOWER RESERVATION RD, HARPER, TX 78631-5319
Transaction TypeMortgage
Record UpdatedDec 07, 2021
Title CompanyKERR COUNTY ABSTRACT AND TITLE COMPANY, KERR CNTY ABSTRACT & TTL CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number21003190
DateApr 14, 2021
Instrument21-003190
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

February 2019: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionKERR TX
Recording DateFeb 19, 2019
Property Address960 LOWER RESERVATION RD, HARPER, TX 78631-5319
Document Number0019001176
Map ReferenceVOL 5 PG 191
Instrument DateFeb 15, 2019
Instrument19-001176
Transaction TypeTransfer
Record UpdatedDec 23, 2022
Title CompanyKERR COUNTY ABSTRACT AND TITLE LLC, KERR COUNTY ABSTRACT & TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address960 LOWER RESERVATION RD, KERRVILLE, TX 78028

Mortgage

Document Number0019001177
DateFeb 19, 2019
Instrument19-001177
Lender
NameCASTLE & COOKE MORTGAGE LLC
TypeMortgage Company
Special NotesSeller Financed
Agreement
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

Tax Assessment & Valuation

Source: Kerr County records · Assessment roll updated September 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateTexas
CountyKerr County
Unified School DistrictHarper 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.

YearTax BillAssessed ValueAssessed Market Value
2025$349,836 (-) Land $214,800 Building $135,036$349,836 (-) Land $214,800 Building $135,036
2023Homeowner's exemption Disabled Person's exemption Veteran's exemption$349,836 Land $214,800 Building $135,036$349,836 Land $214,800 Building $135,036

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kerr County (48265C), updated August 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482659603041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies9 in force

Wildfire

Wildfire RiskModerate
above 61% of the US · above 44% of Texas
Wildfire LikelihoodAbout 1 in 714 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Hill Country Telephone CooperativeFiber1,000 / 1,000
Valley Telephone Cooperative, Inc. (TX)Fixed Wireless (unlicensed)940 / 940
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Hill Country Telephone Cooperative, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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