3317 S RANCH RD 620 TX 78738
| Owner | UNITED HERITAGE CREDIT UNION |
|---|---|
| Parcel ID | 0127700109 |
| Short ID | 726226 |
| Type | Real |
| Use Code | 58 Bank — Branch Office |
| Valuation | Income |
| Improvement SF | 3,596 SF |
| Land SF | 36,625 SF |
| Acres | 0.841 |
| Year Built | 2007 |
| Legal | LOT 1D ENCLAVE AT ALTA VISTA THE RESUB OF LOT 1A |
| Neighborhood | 58SWE |
| Land | $915,675 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $915,675 |
| Improvement | $1,160,049 |
|---|---|
| Total Improvement | $1,160,049 |
| Market | $2,075,724 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $2,075,724 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $2,075,724 |
| Taxable Value | $2,075,724 |
|---|
Appreciation: Market value has risen +0.3% from $2,069,570 (2021) to $2,075,724 (2025), a CAGR of 0.1% 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 6 taxing entities is 1.8496% in 2025 (+0.0309% vs 2024 — rates increased ). At the current taxable value, estimated annual taxes are $38,393. Lake Travis ISD is the largest single contributor, at 56.2% 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 44% of market value ($915,675 land vs $1,160,049 improvements), about $25/SF of land. Most value sits in the improvements, so building condition, age (~19 yrs), and rent roll drive the underwriting.
Submarket Position: At $2,075,724, this parcel sits in the upper-middle (50th–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 +0.1% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $2,083,442 by 2030, with an estimated annual tax burden around $34,343. 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.
5 components · show ▾hide ▴
| Code | Description | SF | In Gross |
|---|---|---|---|
| 551 | PAVED AREA | 21,700 SF | ✗ |
| 1ST | 1st Floor | 3,596 SF | ✓ |
| 503 | CANOPY - BANK | 1,350 SF | ✗ |
| 501 | CANOPY | 222 SF | ✗ |
| 482 | LIGHT POLES | 8 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% | $21,581.30 | $21,581.30 | Paid |
| TCO Travis County | 0.3574% | 0.3182% | 0.3047% | 0.3444% | 0.3758% | +0.0314% | $7,801.50 | $7,801.50 | Paid |
| CLW City of Lakeway | 0.1545% | 0.1290% | 0.1440% | 0.1598% | 0.1696% | +0.0098% | $3,521.26 | $3,521.26 | Paid |
| THD Travis Central Health | 0.1118% | 0.0987% | 0.1007% | 0.1080% | 0.1180% | +0.0101% | $2,449.83 | $2,449.83 | Paid |
| E06 Travis County ESD # 06 | 0.1000% | 0.0867% | 0.0831% | 0.0876% | 0.0904% | +0.0028% | $1,876.43 | $1,876.43 | Paid |
| W17 WCID # 17 | 0.0568% | 0.0543% | 0.0533% | 0.0533% | 0.0560% | +0.0027% | $1,162.41 | $1,162.41 | Paid |
| Combined Rate | 2.0106% | 1.8990% | 1.7598% | 1.8187% | 1.8496% | +0.0309% | $38,392.73 | $38,392.73 | Paid |
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $2,131,690 | $2,075,724 | +2.7% |
| Assessed Value | $2,131,690 | $2,075,724 | +2.7% |
| Land Value | $915,675 | $915,675 | +0.0% |
| Improvement Value | $1,216,015 | $1,160,049 | +4.8% |
| Taxable Value | $2,131,690 | $2,075,724 | +2.7% |
| Total Tax 2026 = estimate |
~$39,428
Estimated
|
~$38,393
Partial
|
ⓘ |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $2,342,516 | $2,131,690 | -210,826 (-9.0%) |
| Taxable Value | $2,342,516 | $2,131,690 | -210,826 (-9.0%) |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $2,131,690 | $915,675 | $1,216,015 | — | $2,131,690 | $2,131,690 | Not yet — post-cert | Certified — no billing yet |
| 2025 | $2,075,724 | $915,675 | $1,160,049 | — | $2,075,724 | $2,075,724 | ~$38,393 | Partial |
| 2024 | $1,791,175 | — | — | −$875,500 | $915,675 | $— | $37,751 | Verified |
| 2023 | $1,791,175 | — | — | −$875,500 | $915,675 | $— | $31,522 | Verified |
| 2022 | $1,964,500 | — | — | −$875,500 | $1,089,000 | $— | $34,465 | Verified |
| 2021 | $2,069,570 | — | — | −$980,570 | $1,089,000 | $— | $39,498 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +12.9% | +12.9% | ~100% | Not available | Partial |
| 2025 | +0.0% | +0.0% | ~100% | Not available | Partial |
| 2024 | +15.9% | +15.9% | ~100% | 1.8200% | Verified |
| 2023 | -8.8% | -8.8% | ~100% | 1.7600% | Verified |
| 2022 | -9.5% | -9.5% | ~100% | 1.7500% | Verified |
| 2021 | base year | — | ~100% | 1.9100% | Verified |
| Cumulative market value growth (earliest valid year → 2025): -4.4% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +2.7% | +0.9% | -0.5% | +15.9% | 2025 | -8.8% | 2023 |
| Assessment Ratio | 100.0% | 68.4% | — | 100.0% | 2025 | 51.1% | 2023 |
| Effective Tax Rate (2025) | 1.8500% | 1.8500% | — | 1.8500% | 2025 | 1.8500% | 2025 |
|
Tax Amount
⚑ 2025 total is a derived or partial figure, not independently confirmed |
$38,393 | $36,326 | ~$35,966 | $39,498 | 2021 | $31,522 | 2023 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$2,077,265 | ~$2,077,265 | ~1.8094% | ~$37,585 | +0.1% |
| 2027 | ~$2,078,808 | ~$2,078,808 | ~1.7691% | ~$36,777 | +0.1% |
| 2028 | ~$2,080,352 | ~$2,080,352 | ~1.7289% | ~$35,967 | +0.2% |
| 2029 | ~$2,081,896 | ~$2,081,896 | ~1.6886% | ~$35,156 | +0.3% |
| 2030 | ~$2,083,442 | ~$2,083,442 | ~1.6484% | ~$34,343 | +0.4% |
| 2026 | ~$2,035,751 | ~$2,035,751 | ~1.8496% | ~$37,653 | -1.9% |
| 2027 | ~$1,996,548 | ~$1,996,548 | ~1.8496% | ~$36,928 | -3.8% |
| 2028 | ~$1,958,099 | ~$1,958,099 | ~1.8496% | ~$36,217 | -5.7% |
| 2029 | ~$1,920,391 | ~$1,920,391 | ~1.8496% | ~$35,520 | -7.5% |
| 2030 | ~$1,883,409 | ~$1,883,409 | ~1.8496% | ~$34,836 | -9.3% |
| 2026 | ~$2,118,780 | ~$2,118,780 | ~1.7892% | ~$37,910 | +2.1% |
| 2027 | ~$2,162,729 | ~$2,162,729 | ~1.7289% | ~$37,391 | +4.2% |
| 2028 | ~$2,207,589 | ~$2,207,589 | ~1.6685% | ~$36,834 | +6.4% |
| 2029 | ~$2,253,380 | ~$2,253,380 | ~1.6081% | ~$36,238 | +8.6% |
| 2030 | ~$2,300,121 | ~$2,300,121 | ~1.5478% | ~$35,601 | +10.8% |
In 2025, this property's market value of $2,075,724 places it in the 50th–75th percentile for Commercial properties in Travis County (13608 comparable) — +46% 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 | $2,075,724 | $649,268 | $1,417,484 | $3,347,260 | ↑ Above median | -0.8% |
| 2024 | $1,791,175 | $661,016 | $1,438,465 | $3,471,171 | ↑ Above median | +0.0% |
| 2023 | $1,791,175 | $667,828 | $1,414,358 | $3,374,900 | ↑ Above median | +9.7% |
| 2022 | $1,964,500 | $553,066 | $1,215,730 | $2,939,150 | ↑ Above median | +3.3% |
| 2021 | $2,069,570 | $517,750 | $1,142,600 | $2,780,453 | ↑ Above median | 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.