1913 S RANCH RD 620 TX 78628
| Owner | FIRST UNITED BANK & TRUST COMPANY |
|---|---|
| Parcel ID | 0133700523 |
| Short ID | 375190 |
| Type | Real |
| Use Code | 58 Bank — Branch Office |
| Valuation | Income |
| Improvement SF | 10,025 SF |
| Land SF | 209,784 SF |
| Acres | 4.816 |
| Year Built | 2003 |
| Legal | LOT 1 AMERICAN BANK OF TEXAS N A SUBD |
| Neighborhood | 56FSW |
| Land | $2,853,062 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $2,853,062 |
| Improvement | $425,736 |
|---|---|
| Total Improvement | $425,736 |
| Market | $3,278,798 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $3,278,798 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $3,278,798 |
| Taxable Value | $3,278,798 |
|---|
Appreciation: Market value has fallen -9.1% from $3,606,547 (2021) to $3,278,798 (2025), a CAGR of -2.4% over 4 years. Growth has been relatively flat for this asset class. Most of this growth came in a single year (2023→2024), 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 $60,645. 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 87% of market value ($2,853,062 land vs $425,736 improvements), about $14/SF of land. With value concentrated in the land, this reads as a land-dominated asset — the classic higher-and-best-use / redevelopment signal. Underwrite the dirt, not the building.
Submarket Position: At $3,278,798, 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 -2.4% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $2,910,674 by 2030, with an estimated annual tax burden around $47,979. 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.
6 components · show ▾hide ▴
| Code | Description | SF | In Gross |
|---|---|---|---|
| 551 | PAVED AREA | 35,000 SF | ✗ |
| 1ST | 1st Floor | 10,025 SF | ✓ |
| 503 | CANOPY - BANK | 2,800 SF | ✗ |
| 501 | CANOPY | 1,351 SF | ✗ |
| LOBBY | Lobby | 845 SF | ✓ |
| 482 | LIGHT POLES | 14 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% | $34,089.66 | $34,089.66 | Paid |
| TCO Travis County | 0.3574% | 0.3182% | 0.3047% | 0.3444% | 0.3758% | +0.0314% | $12,323.20 | $12,323.20 | Paid |
| CLW City of Lakeway | 0.1545% | 0.1290% | 0.1440% | 0.1598% | 0.1696% | +0.0098% | $5,562.15 | $5,562.15 | Paid |
| THD Travis Central Health | 0.1118% | 0.0987% | 0.1007% | 0.1080% | 0.1180% | +0.0101% | $3,869.74 | $3,869.74 | Paid |
| E06 Travis County ESD # 06 | 0.1000% | 0.0867% | 0.0831% | 0.0876% | 0.0904% | +0.0028% | $2,964.00 | $2,964.00 | Paid |
| W17 WCID # 17 | 0.0568% | 0.0543% | 0.0533% | 0.0533% | 0.0560% | +0.0027% | $1,836.13 | $1,836.13 | Paid |
| Combined Rate | 2.0106% | 1.8990% | 1.7598% | 1.8187% | 1.8496% | +0.0309% | $60,644.88 | $60,644.88 | Paid |
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $3,299,124 | $3,278,798 | +0.6% |
| Assessed Value | $3,299,124 | $3,278,798 | +0.6% |
| Land Value | $2,853,062 | $2,853,062 | +0.0% |
| Improvement Value | $446,062 | $425,736 | +4.8% |
| Taxable Value | $3,299,124 | $3,278,798 | +0.6% |
| Total Tax 2026 = estimate |
~$61,021
Estimated
|
~$60,645
Partial
|
ⓘ |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $3,299,124 | $3,299,124 | +0 (+0.0%) |
| Taxable Value | $3,299,124 | $3,299,124 | +0 (+0.0%) |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $3,299,124 | $2,853,062 | $446,062 | — | $3,299,124 | $3,299,124 | Not yet — post-cert | Certified — no billing yet |
| 2025 | $3,278,798 | $2,853,062 | $425,736 | — | $3,278,798 | $3,278,798 | ~$60,645 | Partial |
| 2024 | $3,393,830 | — | — | −$540,768 | $2,853,062 | $— | $63,668 | Verified |
| 2023 | $3,642,409 | — | — | −$789,347 | $2,853,062 | $— | $59,726 | Verified |
| 2022 | $3,582,752 | — | — | −$729,690 | $2,853,062 | $— | $69,170 | Verified |
| 2021 | $3,606,547 | — | — | −$753,485 | $2,853,062 | $— | $72,034 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +0.6% | +0.6% | ~100% | Not available | Partial |
| 2025 | -6.3% | -6.3% | ~100% | Not available | Partial |
| 2024 | +3.1% | +3.1% | ~100% | 1.8200% | Verified |
| 2023 | -6.8% | -6.8% | ~100% | 1.7600% | Verified |
| 2022 | +1.7% | +1.7% | ~100% | 1.9000% | Verified |
| 2021 | base year | — | ~100% | 2.0000% | Verified |
| Cumulative market value growth (earliest valid year → 2025): -8.5% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +0.6% | -1.7% | -2.5% | +1.7% | 2023 | -6.8% | 2024 |
| Assessment Ratio | 100.0% | 86.9% | — | 100.0% | 2025 | 78.3% | 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 |
$60,645 | $65,049 | ~$52,865 | $72,034 | 2021 | $59,726 | 2023 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$3,201,625 | ~$3,201,625 | ~1.8094% | ~$57,929 | -2.4% |
| 2027 | ~$3,126,268 | ~$3,126,268 | ~1.7691% | ~$55,307 | -4.7% |
| 2028 | ~$3,052,685 | ~$3,052,685 | ~1.7289% | ~$52,777 | -6.9% |
| 2029 | ~$2,980,834 | ~$2,980,834 | ~1.6886% | ~$50,335 | -9.1% |
| 2030 | ~$2,910,674 | ~$2,910,674 | ~1.6484% | ~$47,979 | -11.2% |
| 2026 | ~$3,136,049 | ~$3,136,049 | ~1.8496% | ~$58,005 | -4.4% |
| 2027 | ~$2,999,514 | ~$2,999,514 | ~1.8496% | ~$55,479 | -8.5% |
| 2028 | ~$2,868,924 | ~$2,868,924 | ~1.8496% | ~$53,064 | -12.5% |
| 2029 | ~$2,744,020 | ~$2,744,020 | ~1.8496% | ~$50,754 | -16.3% |
| 2030 | ~$2,624,553 | ~$2,624,553 | ~1.8496% | ~$48,544 | -20.0% |
| 2026 | ~$3,267,201 | ~$3,267,201 | ~1.7892% | ~$58,458 | -0.4% |
| 2027 | ~$3,255,644 | ~$3,255,644 | ~1.7289% | ~$56,286 | -0.7% |
| 2028 | ~$3,244,129 | ~$3,244,129 | ~1.6685% | ~$54,129 | -1.1% |
| 2029 | ~$3,232,654 | ~$3,232,654 | ~1.6081% | ~$51,986 | -1.4% |
| 2030 | ~$3,221,220 | ~$3,221,220 | ~1.5478% | ~$49,858 | -1.8% |
In 2025, this property's market value of $3,278,798 places it in the 50th–75th percentile for Commercial properties in Travis County (13608 comparable) — +131% 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 | $3,278,798 | $649,268 | $1,417,484 | $3,347,260 | ↑ Above median | -0.8% |
| 2024 | $3,393,830 | $661,016 | $1,438,465 | $3,471,171 | ↑ Above median | +0.0% |
| 2023 | $3,642,409 | $667,828 | $1,414,358 | $3,374,900 | ↑ Top 25% | +9.7% |
| 2022 | $3,582,752 | $553,066 | $1,215,730 | $2,939,150 | ↑ Top 25% | +3.3% |
| 2021 | $3,606,547 | $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.