3490 S RANCH RD 620 TX 78738
| Owner | FIRST STAR BANK SSB |
|---|---|
| Parcel ID | 0125680204 |
| Short ID | 563920 |
| Type | Real |
| Use Code | 58 Bank — Branch Office |
| Valuation | Income |
| Improvement SF | 4,853 SF |
| Land SF | 71,569 SF |
| Acres | 1.643 |
| Year Built | 2013 |
| Legal | LOT 100B BLK F SPILLMAN RANCH PHS 1 SEC 7 REPLAT OF |
| Neighborhood | 58SWE |
| Land | $1,789,225 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $1,789,225 |
| Improvement | $1,606,165 |
|---|---|
| Total Improvement | $1,606,165 |
| Market | $3,395,390 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $3,395,390 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $3,395,390 |
| Taxable Value | $3,395,390 |
|---|
Appreciation: Market value has risen +4.3% from $3,255,581 (2021) to $3,395,390 (2025), a CAGR of 1.1% over 4 years. Growth has been relatively flat for this asset class. Most of this growth came in a single year (2024→2025), not a steady climb — worth checking what drove that reappraisal rather than assuming a smooth trend. Over the same span, the median Commercial parcel countywide rose +24.1%, so this parcel has lagged the broader commercial market over the same period.
Tax Burden: The combined rate across 5 taxing entities is 1.6440% in 2025 (+0.0184% vs 2024 — rates increased ). At the current taxable value, estimated annual taxes are $55,819. Lake Travis ISD is the largest single contributor, at 63.2% of the total 2025 levy.
Asset Class: Commercial. No homestead exemptions apply — full market value is taxable. This is valued using the income approach, so changes in rent roll or occupancy move the appraisal more directly than they would for a cost-approach property.
Value Composition: Land carries 53% of market value ($1,789,225 land vs $1,606,165 improvements), about $25/SF of land. Land and improvements both carry meaningful weight; value is balanced between the structure and its site.
Submarket Position: At $3,395,390, this parcel sits in the top quartile (≥75th percentile) of Commercial property in Travis County — county median $1,417,484 (P25 $649,268 / P75 $3,347,260, n=13,608). Commercial here is the broad TCAD category — every commercial property countywide, any size or use — not a use-code-specific peer group. See the Peer Set and the Where This Property Stands benchmark below, which narrows to this property's actual use code, for parcel-level comparables.
Forward Outlook: Holding the +1.1% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $3,578,624 by 2030, with an estimated annual tax burden around $50,989. Estimated Forward figures are model projections, not certified — see the 6-Year Projection section for the low/base/high bands.
No delinquent taxes on record.
8 components · show ▾hide ▴
| Code | Description | SF | In Gross |
|---|---|---|---|
| 551 | PAVED AREA | 23,000 SF | ✗ |
| 1ST | 1st Floor | 3,572 SF | ✓ |
| 2ND | 2nd Floor | 1,281 SF | ✓ |
| 503 | CANOPY - BANK | 1,254 SF | ✗ |
| 501 | CANOPY | 402 SF | ✗ |
| 611 | TERRACE | 402 SF | ✗ |
| 482 | LIGHT POLES | 8 SF | ✓ |
| 276 | ELEVATOR COM PAS | 1 SF | ✓ |
No large value jumps, delinquencies, or data anomalies found for this parcel.
| Entity | 2021 Rate | 2022 Rate | 2023 Rate | 2024 Rate | 2025 Rate | YoY (2024→25) | Amt Due | Amt Paid | Balance |
|---|---|---|---|---|---|---|---|---|---|
| ILT Lake Travis ISD | 1.2301% | 1.2121% | 1.0741% | 1.0656% | 1.0397% | -0.0259% | $35,301.87 | $35,301.87 | Paid |
| TCO Travis County | 0.3574% | 0.3182% | 0.3047% | 0.3444% | 0.3758% | +0.0314% | $12,761.40 | $12,761.40 | Paid |
| THD Travis Central Health | 0.1118% | 0.0987% | 0.1007% | 0.1080% | 0.1180% | +0.0101% | $4,007.34 | $4,007.34 | Paid |
| E06 Travis County ESD # 06 | 0.1000% | 0.0867% | 0.0831% | 0.0876% | 0.0904% | +0.0028% | $3,069.40 | $3,069.40 | Paid |
| VBC City of Bee Cave | 0.0200% | 0.0200% | 0.0200% | 0.0200% | 0.0200% | +0.0000% | $679.08 | $679.08 | Paid |
| Combined Rate | 1.8193% | 1.7357% | 1.5825% | 1.6256% | 1.6440% | +0.0184% | $55,819.09 | $55,819.09 | Paid |
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $3,395,390 | $3,395,390 | +0.0% |
| Assessed Value | $3,395,390 | $3,395,390 | +0.0% |
| Land Value | $1,789,225 | $1,789,225 | +0.0% |
| Improvement Value | $1,606,165 | $1,606,165 | +0.0% |
| Taxable Value | $3,395,390 | $3,395,390 | +0.0% |
| Total Tax 2026 = estimate |
~$55,819
Estimated
|
~$55,819
Partial
|
ⓘ |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $3,757,879 | $3,395,390 | -362,489 (-9.6%) |
| Taxable Value | $3,757,879 | $3,395,390 | -362,489 (-9.6%) |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $3,395,390 | $1,789,225 | $1,606,165 | — | $3,395,390 | $3,395,390 | Not yet — post-cert | Certified — no billing yet |
| 2025 | $3,395,390 | $1,789,225 | $1,606,165 | — | $3,395,390 | $3,395,390 | ~$55,819 | Partial |
| 2024 | $3,265,809 | — | — | −$1,476,584 | $1,789,225 | $— | $55,196 | Verified |
| 2023 | $3,201,774 | — | — | −$1,412,549 | $1,789,225 | $— | $51,683 | Verified |
| 2022 | $3,267,068 | — | — | −$1,477,843 | $1,789,225 | $— | $55,574 | Verified |
| 2021 | $3,255,581 | — | — | −$1,466,356 | $1,789,225 | $— | $59,437 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +10.7% | +10.7% | ~100% | Not available | Partial |
| 2025 | +0.0% | +0.0% | ~100% | Not available | Partial |
| 2024 | +4.0% | +4.0% | ~100% | 1.6300% | Verified |
| 2023 | +2.0% | +2.0% | ~100% | 1.5800% | Verified |
| 2022 | -2.0% | -2.0% | ~100% | 1.7400% | Verified |
| 2021 | base year | — | ~100% | 1.8300% | Verified |
| Cumulative market value growth (earliest valid year → 2025): +3.9% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +0.0% | +0.9% | +1.1% | +4.0% | 2025 | -2.0% | 2023 |
| Assessment Ratio | 100.0% | 70.1% | — | 100.0% | 2025 | 54.8% | 2022 |
| Effective Tax Rate (2025) | 1.6400% | 1.6400% | — | 1.6400% | 2025 | 1.6400% | 2025 |
|
Tax Amount
⚑ 2025 total is a derived or partial figure, not independently confirmed |
$55,819 | $55,542 | ~$52,974 | $59,437 | 2021 | $51,683 | 2023 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$3,431,270 | ~$3,431,270 | ~1.6001% | ~$54,905 | +1.1% |
| 2027 | ~$3,467,530 | ~$3,467,530 | ~1.5563% | ~$53,966 | +2.1% |
| 2028 | ~$3,504,173 | ~$3,504,173 | ~1.5125% | ~$53,000 | +3.2% |
| 2029 | ~$3,541,203 | ~$3,541,203 | ~1.4687% | ~$52,008 | +4.3% |
| 2030 | ~$3,578,624 | ~$3,578,624 | ~1.4248% | ~$50,989 | +5.4% |
| 2026 | ~$3,363,363 | ~$3,363,363 | ~1.6440% | ~$55,293 | -0.9% |
| 2027 | ~$3,331,637 | ~$3,331,637 | ~1.6440% | ~$54,771 | -1.9% |
| 2028 | ~$3,300,212 | ~$3,300,212 | ~1.6440% | ~$54,254 | -2.8% |
| 2029 | ~$3,269,082 | ~$3,269,082 | ~1.6440% | ~$53,743 | -3.7% |
| 2030 | ~$3,238,246 | ~$3,238,246 | ~1.6440% | ~$53,236 | -4.6% |
| 2026 | ~$3,499,178 | ~$3,499,178 | ~1.5782% | ~$55,225 | +3.1% |
| 2027 | ~$3,606,139 | ~$3,606,139 | ~1.5125% | ~$54,542 | +6.2% |
| 2028 | ~$3,716,369 | ~$3,716,369 | ~1.4467% | ~$53,766 | +9.5% |
| 2029 | ~$3,829,969 | ~$3,829,969 | ~1.3810% | ~$52,892 | +12.8% |
| 2030 | ~$3,947,042 | ~$3,947,042 | ~1.3153% | ~$51,914 | +16.2% |
In 2025, this property's market value of $3,395,390 places it in the top 25% for Commercial properties in Travis County (13608 comparable) — +140% above the county median of $1,417,484. Commercial here is the broad TCAD category — every commercial property countywide, any size or use — not a use-code-specific peer group. Use the Use Code filter above to narrow to this property's actual type.
| Year | This Property | Bottom 25% | Median | Top 25% | Position | Group YoY |
|---|---|---|---|---|---|---|
| 2025 | $3,395,390 | $649,268 | $1,417,484 | $3,347,260 | ↑ Top 25% | -0.8% |
| 2024 | $3,265,809 | $661,016 | $1,438,465 | $3,471,171 | ↑ Above median | +0.0% |
| 2023 | $3,201,774 | $667,828 | $1,414,358 | $3,374,900 | ↑ Above median | +9.7% |
| 2022 | $3,267,068 | $553,066 | $1,215,730 | $2,939,150 | ↑ Top 25% | +3.3% |
| 2021 | $3,255,581 | $517,750 | $1,142,600 | $2,780,453 | ↑ Top 25% | base yr |
Estimate only. The appraisal district sets value as of Jan 1 (not at sale price). A sale is strong evidence of market value and is typically reflected in the next Jan 1 valuation. Taxing units set rates annually. Modeled from government data — not a legal or tax opinion.