964 Estates Dr, Kerrville, TX 78028 Property Records

Kerr County property record for 964 Estates Dr, Kerrville, TX 78028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,214 sqft · built 2006
Lot Size	2.54 acres (110,642 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,372 (Dec 2023)
Tax Bill	$7,033 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3856-0000-037000`

Property Details

APN / Parcel Number

Primary APN	`3856-0000-037000`
Alternative APN	`60367`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,214 sqft Living Area
Gross Area	3,648 sqft
1st Floor Area	2,214 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	110,642 sqft (2.54 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	730 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	3856-0000-037000
Street Address	964 ESTATES DR
City	KERRVILLE
State	TX
Zip	78028-8308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES AT TURTLE CRK SEC TWO LOT 37 ACRES 2.54
Legal Subdivision	ESTATES AT TURTLE CRK SEC TWO
Legal Lot Number	37
Jurisdiction	KERR TX
Township / Civil Division	KERRVILLE
Census Block Group	3
Census Block	3005
Census Tract	960700

Owner

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	2 Individual Names on Record
Mailing Address	964 ESTATES DR, KERRVILLE, TX 78028-8308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Vendor's Lien, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit BROADWAY NATIONAL BANK
Jul 14, 2017	Vendor's Lien, Transfer · Conventional Mortgage TEXAS HILL COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Document Number	20237574
Prior Transfer Date	Jul 13, 2017
Prior Transfer Doc	0000004745
Record Updated	Oct 29, 2026

December 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KERR TX
Recording Date	Dec 15, 2023
Property Address	964 ESTATES DR, KERRVILLE, TX 78028-8308
Document Number	0023007574
Map Reference	VOL 6 PG 241
Instrument Date	Dec 14, 2023
Instrument	23-007574
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	KERRVILLE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 290326, KERRVILLE, TX 78029-0326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 ESTATES DR, KERRVILLE, TX 78028-8308

Mortgage

Document Number	0023007575
Date	Dec 15, 2023
Instrument	23-007575

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KERR TX
Property Address	964 ESTATES DR, KERRVILLE, TX 78028-8308
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 ESTATES DR, KERRVILLE, TX 78028-8308

Mortgage

Document Number	0023000220
Date	Jan 11, 2023
Instrument	23-000220

Lender

Name	BROADWAY NATIONAL BANK
Type	Bank
Address	SAN ANTONIO, TX 78217

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KERR TX
Recording Date	Jul 14, 2017
Property Address	964 ESTATES DR, KERRVILLE, TX 78028-8308
Document Number	17004745
Map Reference	VOL 6 PG 241
Instrument Date	Jul 13, 2017
Instrument	17-004745
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	KERRVILLE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	964 ESTATES DR, 964, KERRVILLE, TX 78028-8308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 290326, KERRVILLE, TX 78029-0326

Mortgage

Document Number	17004746
Date	Jul 14, 2017
Instrument	17-004746

Lender

Name	TEXAS HILL COUNTRY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Kerr County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kerr County
Unified School District	Kerrville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,033.00 (+19.96%)	$567,112 (+0.3%) Land $76,200 Building $490,912	$567,112 (-) Land $76,200 Building $490,912
2025	$5,863.00 (+158.28%) Homeowner's exemption	$565,418 (+28.4%) Land $76,200 Building $490,912	$567,112 (+28.79%) Land $76,200 Building $490,912
2024	$2,270.00 (-53.36%)
2023	$4,867.00 Homeowner's exemption	$440,345 Land $76,200 Building $364,145	$440,345 Land $76,200 Building $364,145

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 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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	10 (2000–2026)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Jul 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2002 · 5 claims

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	Moderate above 58% of the US · lower than 60% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTCREEK ESTATES WATER SYSTEM private · serves 423 people · EPA ID TX1330028
Water Source	Groundwater
Last State Inspection	Dec 2025
Also Mapped Here	FOUR SEASONS
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BEC Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	100 / 20

May also be available: Hill Country Telecommunications, VTX Communications.

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