20627 HIGHLAND LAKE LOOP LAGO VISTA, TX 78645
| Owner | PECK TRUST |
|---|---|
| Parcel ID | 0160860170 |
| Short ID | 159691 |
| Type | Real |
| Use Code | 01 Single-Family Residence |
| Valuation | Cost |
| Improvement SF | 3,689 SF |
| Land SF | 62,335 SF |
| Acres | 1.431 |
| Year Built | 1997 |
| Legal | LOT 9 COVE AT LAGO VISTA THE AMENDED PLAT |
| Neighborhood | S04WF |
| Land | $364,000 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $364,000 |
| Improvement | $421,771 |
|---|---|
| Total Improvement | $421,771 |
| Market | $785,771 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $785,771 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $785,771 |
| Exemptions (−) (HS) | −$157,154 |
|---|---|
| Taxable Value | $628,617 |
Appreciation: Market value has risen +54.9% from $507,272 (2021) to $785,771 (2025), a CAGR of 11.6% over 4 years. This is strong appreciation — well above typical inflation. Most of this growth came in a single year (2022→2023), not a steady climb — worth checking what drove that reappraisal rather than assuming a smooth trend. Over the same span, the median Residential parcel countywide rose +45.8%, so this parcel has outpaced the broader residential market over the same period.
Homestead Cap History: This property had an active homestead cap as recently as 2024 ($516,485, ~65.7% of market value at the time). The cap has since reset or expired. Verified clear — 2025 Certified Historical data from AJR 2021–2024 (Partial confidence). Current status confirmed by 2025 TCAD Certified Export.
Asset Class: Single-family residential. Buyer should verify which exemptions carry and which reset at sale. This is valued using the cost approach, tied more to replacement cost and physical condition than to income performance.
Value Composition: Land carries 46% of market value ($364,000 land vs $421,771 improvements), about $6/SF of land. Land and improvements both carry meaningful weight; value is balanced between the structure and its site.
Submarket Position: At $785,771, this parcel sits in the top quartile (≥75th percentile) of Residential property in Travis County — county median $479,535 (P25 $358,633 / P75 $737,055, n=318,609). Residential here is the broad TCAD category — every residential 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 +11.6% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $1,357,891 by 2030, with an estimated annual tax burden around $0. 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.
10 components · show ▾hide ▴
| Code | Description | SF | In Gross |
|---|---|---|---|
| 095 | HVAC RESIDENTIAL | 3,689 SF | ✗ |
| 1ST | 1st Floor | 2,208 SF | ✓ |
| RSBLW | Residence Below | 1,481 SF | ✓ |
| 031 | GARAGE DET 1ST F | 576 SF | ✓ |
| 011 | PORCH OPEN 1ST F | 559 SF | ✗ |
| 613 | TERRACE COVERED | 490 SF | ✗ |
| 012 | PORCH OPEN 2ND F | 311 SF | ✗ |
| 435 | FENCE IRON LF | 305 SF | ✗ |
| 251 | BATHROOM | 4 SF | ✓ |
| 522 | FIREPLACE | 1 SF | ✓ |
Market value changed by 117% in 2022, flagged as unusually large. Verify against comparable sales before using this value in underwriting.
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $840,279 | $785,771 | +6.9% |
| Assessed Value | $840,279 | $785,771 | +6.9% |
| Land Value | $182,000 | $364,000 | -50.0% |
| Improvement Value | $658,279 | $421,771 | +56.1% |
| Taxable Value | — | $628,617 | — |
| Exemptions | HS | HS | |
| HS Cap Loss | — | -$516,485 (2024) | |
| Total Tax | Pending certification | — | |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $840,279 | $840,279 | +0 (+0.0%) |
| Taxable Value | — | — | — |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $840,279 | $182,000 | $658,279 | — | $840,279 | $— | Not yet — post-cert | Certified — no billing yet |
| 2025 | $785,771 | $364,000 | $421,771 | — | $785,771 | $628,617 | not in county billing file ⓘ | Partial |
| 2024 | $1,159,389 | — | — | −$795,389 | $364,000 | $— | not in county billing file ⓘ | Partial |
| 2023 | $1,159,389 | — | — | −$795,389 | $364,000 | $— | not in county billing file ⓘ | Partial |
| 2022 | $535,202 | — | — | −$171,202 | $364,000 | $— | not in county billing file ⓘ | Partial |
| 2021 | $507,272 | — | — | −$391,247 | $116,025 | $— | $10,927 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +6.9% | +6.9% | ~100% | Not available | Partial |
| 2025 | -10.8% | -10.8% | ~100% | Not available | Partial |
| 2024 | -24.1% | -24.1% | ~100% | No billing data | Verified |
| 2023 | +0.0% | +0.0% | ~100% | No billing data | Verified |
| 2022 | +116.6% ! | +116.6% | ~100% | No billing data | Verified |
| 2021 | base year | — | ~100% | 2.1500% | Verified |
| Cumulative market value growth (earliest valid year → 2025): +46.8% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +6.9% | +19.4% | +10.1% | +116.6% | 2023 | -32.2% | 2025 |
| Assessment Ratio | 100.0% | 58.9% | — | 100.0% | 2025 | 22.9% | 2021 |
|
Effective Tax Rate (2025)
⚑ Billing data available for 2025 only |
— | — | — | — | — | — | — |
| Tax Amount | $10,927 | $10,927 | — | $10,927 | 2021 | $10,927 | 2021 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$876,617 | ~$864,348 | ~0.0000% | ~$0 | +11.6% |
| 2027 | ~$977,966 | ~$950,783 | ~0.0000% | ~$0 | +24.5% |
| 2028 | ~$1,091,032 | ~$1,045,861 | ~0.0000% | ~$0 | +38.8% |
| 2029 | ~$1,217,170 | ~$1,150,447 | ~0.0000% | ~$0 | +54.9% |
| 2030 | ~$1,357,891 | ~$1,265,492 | ~0.0000% | ~$0 | +72.8% |
| 2026 | ~$860,901 | ~$860,901 | ~0.0000% | ~$0 | +9.6% |
| 2027 | ~$943,215 | ~$943,215 | ~0.0000% | ~$0 | +20.0% |
| 2028 | ~$1,033,399 | ~$1,033,399 | ~0.0000% | ~$0 | +31.5% |
| 2029 | ~$1,132,206 | ~$1,132,206 | ~0.0000% | ~$0 | +44.1% |
| 2030 | ~$1,240,461 | ~$1,240,461 | ~0.0000% | ~$0 | +57.9% |
| 2026 | ~$892,332 | ~$864,348 | ~0.0000% | ~$0 | +13.6% |
| 2027 | ~$1,013,345 | ~$950,783 | ~0.0000% | ~$0 | +29.0% |
| 2028 | ~$1,150,768 | ~$1,045,861 | ~0.0000% | ~$0 | +46.5% |
| 2029 | ~$1,306,827 | ~$1,150,447 | ~0.0000% | ~$0 | +66.3% |
| 2030 | ~$1,484,051 | ~$1,265,492 | ~0.0000% | ~$0 | +88.9% |
In 2025, this property's market value of $785,771 places it in the top 25% for Residential properties in Travis County (318609 comparable) — +64% above the county median of $479,535. Residential here is the broad TCAD category — every residential 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 | $785,771 | $358,633 | $479,535 | $737,055 | ↑ Top 25% | -6.4% |
| 2024 | $1,159,389 | $384,868 | $512,735 | $786,167 | ↑ Top 25% | -8.7% |
| 2023 | $1,159,389 | $424,496 | $565,716 | $845,447 | ↑ Top 25% | -2.1% |
| 2022 | $535,202 | $435,080 | $581,770 | $864,060 | ↓ Below median | +53.2% |
| 2021 | $507,272 | $239,232 | $328,865 | $488,922 | ↑ Top 25% | base yr |