Matagorda County property record for 975 Co Rd 305, Palacios, TX 77465
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,037 sqft · built 1989 |
| Lot Size | 4.68 acres (204,262 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $638,400 (Feb 2025) |
| Tax Bill | $9,327 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2025 Mortgage + 5 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 1202-0110-000200 |
| Primary APN | 1202-0110-000200 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,037 sqft Living Area |
| Gross Area | 5,069 sqft |
| 1st Floor Area | 2,037 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 204,262 sqft (4.68 acres) |
| Lot Dimensions | 332 ft deep x 199 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 449 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1202-0110-000200 |
|---|---|
| Street Address | 975 COUNTY ROAD 305 |
| City | PALACIOS |
| State | TX |
| Zip | 77465-6662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAY FRONT S/D, BLOCK 11, LOT 2 & 3 AND RESERVE 1 & 4, (1.68 AC IN RESERVE PORTION) BLK 11 LOT 1 & 4 N/2 AC 1.06, ACRES 4.69 |
| Legal Subdivision | SUSAN PERKINS SURVEY ABSTRACT NO 371 |
| Legal Block | 11 |
| Legal Lot Number | 2 |
| Jurisdiction | MATAGORDA TX |
| Township / Civil Division | PALACIOS |
| Census Block Group | 1 |
| Census Block | 1170 |
| Census Tract | 730600 |
975 Co Rd 305 is owned and occupied by two individuals who bought it in February 2025.
Source: Matagorda County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 879, PALACIOS, TX 77465-0879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Line of Credit CHEVRON FEDERAL CREDIT UNION |
| Feb 28, 2025 | Vendor's Lien, Transfer · Conventional Mortgage CHEVRON FCU |
| Nov 21, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| May 31, 2022 | Deed of Trust, Mortgage · Loan Assumption PAUL ERIC HERNANDEZ |
| Oct 11, 2022 | Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 31, 2022 | |
| Apr 20, 2018 | Vendor's Lien, Transfer · Conventional Mortgage CAPITAL CONCEPTS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | Nov 21, 2023 · Amount on File |
| Deed Document Number | 2025994 |
| Prior Transfer Date | Nov 10, 2023 |
| Prior Transfer Doc | 2023006796 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Sep 15, 2026 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 0000004950 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20264950 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000004950, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 20264950 |
| Name | CHEVRON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 3, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Feb 28, 2025 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 0020250994 |
| Map Reference | FILE 2014-1797 |
| Instrument Date | Feb 28, 2025 |
| Instrument | 2025-0994 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2026 |
| Title Company | BCAT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 879, PALACIOS, TX 77465-0879 |
| Document Number | 0020250995 |
|---|---|
| Date | Feb 28, 2025 |
| Instrument | 2025-0995 |
| Name | CHEVRON FCU |
|---|---|
| Type | Credit Union |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Nov 21, 2023 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2023006796 |
| Instrument Date | Nov 10, 2023 |
| Instrument | 2023-006796 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | PATTEN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2023006797 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 2023-006797 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8707 ROSEHEDGE TERRACE WAY, RICHMOND, TX 77406-3773 |
| Document Number | 2022003640 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022-003640 |
| Name | PAUL ERIC HERNANDEZ |
|---|---|
| Type | Private Party |
| Address | 2020 ELDRIDGE PKWY APT 2305, HOUSTON, TX 77077 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount on Record |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Oct 11, 2022 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2022006962 |
| Map Reference | FILE 564A |
| Instrument Date | Oct 7, 2022 |
| Instrument | 2022-006962 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | SELECTITLE LLC, SELECT TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 770 N ELDRIDGE PKWY APT 477, 477, HOUSTON, TX 77079-4543 |
| Name | Verified Name |
|---|---|
| Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2022006963 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 2022-006963 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Jurisdiction | MATAGORDA TX |
|---|---|
| Recording Date | May 31, 2022 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2022003624 |
| Instrument Date | May 13, 2022 |
| Instrument | 2022-003624 |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2020 ELDRIDGE PKWY APT 2305, 2305, HOUSTON, TX 77077-3499 |
| Name | Verified Name |
|---|---|
| Address | 8707 ROSEHEDGE TERRACE WAY, RICHMOND, TX 77406-3773 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Apr 20, 2018 |
| Property Address | 975 COUNTY ROAD 305, PALACIOS, TX 77465-6662 |
| Document Number | 2018002261 |
| Map Reference | FILE 2014-1797 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 2018-002261 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | BAY CITY ABSTRACT AND TITLE COMPANY, BAY CITY ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7161 BISHOP RD STE 250, 250, PLANO, TX 75024-3651 |
| Name | Verified Name |
|---|---|
| Address | 8707 ROSEHEDGE TERRACE WAY, RICHMOND, TX 77406-3773 |
| Document Number | 2018002262 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 2018-002262 |
| Name | CAPITAL CONCEPTS INC |
|---|---|
| Type | Non-Lending Institution |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2026 property tax bill for 975 Co Rd 305 was $9,327 with a homeowner's exemption, up 32.1% from the year before.
Source: Matagorda County assessment roll, as of February 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Matagorda County |
| Unified School District | Palacios Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,327.00 (+32.09%) Homeowner's exemption | $600,600 (+32.09%) Land $153,200 Building $447,400 | $600,600 (+32.09%) Land $153,200 Building $447,400 |
| 2025 | $7,061.00 | $454,700 Land $153,200 Building $301,500 | $454,700 Land $153,200 Building $301,500 |
| 2023 | $416,520 Land $153,200 Building $263,320 | $416,520 Land $153,200 Building $263,320 | |
| 2022 | $6,792.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 975 Co Rd 305 in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 105 policies |
| Nearby Flood Policies | 105 in force |
| Nearby Flood Claims | 50 (1980–2025) |
| Claims Outside the SFHA | 18 of 50 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 975 Co Rd 305 is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 80% 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Nextlink Fixed Wireless | 1,000 / 500 |
| MyJEC.net Fiber | 1,000 / 100 |
| Sparklight Cable | 1,000 / 50 |
| TISD Fixed Wireless | 400 / 100 |
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