19521 CLOUDY BAY DR TX 78660
| Owner | NTUMNGIA NGWA GODLOVE & SARUDZAI CASTELLA CHIWERA |
|---|---|
| Parcel ID | 0276671309 |
| Short ID | 945374 |
| Type | Real |
| Use Code | 01 Single-Family Residence |
| Valuation | Cost |
| Improvement SF | 1,819 SF |
| Land SF | 6,274 SF |
| Acres | 0.144 |
| Year Built | 2021 |
| Legal | LOT 9 BLK K VINE CREEK PHS 5 |
| Neighborhood | A9740 |
| Land | $41,424 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $41,424 |
| Improvement | $312,634 |
|---|---|
| Total Improvement | $312,634 |
| Market | $354,058 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $354,058 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $354,058 |
| Exemptions (−) (HS) | −$35,406 |
|---|---|
| Taxable Value | $318,652 |
Appreciation: Market value has fallen -16.1% from $422,147 (2023) to $354,058 (2025), a CAGR of -8.4% over 2 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.
Tax Burden: The combined rate across 5 taxing entities is 2.2285% in 2025 (+0.0325% vs 2024 — rates increased ). At the current taxable value, estimated annual taxes are $7,101. Pflugerville ISD is the largest single contributor, at 45.3% of the total 2025 levy.
Asset Class: O. This is valued using the cost approach, tied more to replacement cost and physical condition than to income performance.
Value Composition: Land carries 12% of market value ($41,424 land vs $312,634 improvements), about $7/SF of land. Most value sits in the improvements, so building condition, age (~5 yrs), and rent roll drive the underwriting.
Forward Outlook: Holding the -8.4% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $228,087 by 2030, with an estimated annual tax burden around $4,499. 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 |
|---|---|---|---|
| 1ST | 1st Floor | 1,819 SF | ✓ |
| 095 | HVAC RESIDENTIAL | 1,819 SF | ✗ |
| 041 | GARAGE ATT 1ST F | 400 SF | ✓ |
| 011 | PORCH OPEN 1ST F | 146 SF | ✗ |
| 252 | BEDROOMS | 3 SF | ✓ |
| 251 | BATHROOM | 2 SF | ✓ |
Market value changed by 1219% in 2022, flagged as unusually large. Verify against comparable sales before using this value in underwriting.
| Entity | 2021 Rate | 2022 Rate | 2023 Rate | 2024 Rate | 2025 Rate | YoY (2024→25) | Amt Due | Amt Paid | Balance |
|---|---|---|---|---|---|---|---|---|---|
| IPF Pflugerville ISD | 1.3880% | 1.2646% | 1.1092% | 1.1069% | 1.1069% | +0.0000% | $3,144.24 | $3,144.24 | Paid |
| CPF City of Pflugerville | 0.4863% | 0.4813% | 0.5362% | 0.5428% | 0.5350% | -0.0078% | $1,894.21 | $1,894.21 | Paid |
| TCO Travis County | 0.3574% | 0.3182% | 0.3047% | 0.3444% | 0.3758% | +0.0314% | $1,197.64 | $1,197.64 | Paid |
| THD Travis Central Health | 0.1118% | 0.0987% | 0.1007% | 0.1080% | 0.1180% | +0.0101% | $376.08 | $376.08 | Paid |
| E02 Travis County ESD # 02 | 0.0900% | 0.0800% | 0.0773% | 0.0939% | 0.0928% | -0.0011% | $328.44 | $328.44 | Paid |
| Combined Rate | 2.4335% | 2.2428% | 2.1280% | 2.1960% | 2.2285% | +0.0325% | $6,940.61 | $6,940.61 | Paid |
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $362,095 | $354,058 | +2.3% |
| Assessed Value | $362,095 | $354,058 | +2.3% |
| Land Value | $90,192 | $41,424 | +117.7% |
| Improvement Value | $271,903 | $312,634 | -13.0% |
| Taxable Value | $325,885 | $318,652 | +2.3% |
| Exemptions | HS | HS | |
| Total Tax 2026 = estimate |
~$7,262
Estimated
|
~$6,941
Partial
|
ⓘ |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $362,095 | $362,095 | +0 (+0.0%) |
| Taxable Value | $325,885 | $325,885 | +0 (+0.0%) |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $362,095 | $90,192 | $271,903 | — | $362,095 | $325,885 | Not yet — post-cert | Certified — no billing yet |
| 2025 | $354,058 | $41,424 | $312,634 | — | $354,058 | $318,652 | ~$6,941 | Partial |
| 2024 | $449,419 | — | — | −$409,419 | $40,000 | $— | $7,337 | Verified |
| 2023 | $422,147 | — | — | −$382,147 | $40,000 | $— | $8,827 | Verified |
| 2022 | $— | — | — | — | $40,000 | $— | $9,039 | Verified |
| 2021 | $— | — | — | — | $32,000 | $— | $779 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +2.3% | +2.3% | ~100% | Not available | Partial |
| 2025 | -3.5% | -3.5% | ~100% | Not available | Partial |
| 2024 | -18.4% | -18.4% | ~100% | 2.0000% | Verified |
| 2023 | +6.5% | +6.5% | ~100% | 1.9600% | Verified |
| 2022 | +1219.2% ! | +1219.2% | ~100% | 2.1400% | Verified |
| 2021 | base year | — | ~100% | No billing data | Verified |
| Cumulative market value growth (earliest valid year → 2025): +1006.4% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +2.3% | -4.1% | -8.8% | +6.5% | 2024 | -21.2% | 2025 |
| Assessment Ratio | 100.0% | 54.6% | — | 100.0% | 2025 | 8.9% | 2024 |
| Effective Tax Rate (2025) | 1.9600% | 1.9600% | — | 1.9600% | 2025 | 1.9600% | 2025 |
|
Tax Amount
⚑ 2025 total is a derived or partial figure, not independently confirmed |
$6,941 | $7,702 | ~$5,711 | $8,827 | 2023 | $6,941 | 2025 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$324,250 | ~$324,250 | ~2.1773% | ~$7,060 | -8.4% |
| 2027 | ~$296,951 | ~$296,951 | ~2.1261% | ~$6,313 | -16.1% |
| 2028 | ~$271,951 | ~$271,951 | ~2.0748% | ~$5,643 | -23.2% |
| 2029 | ~$249,055 | ~$249,055 | ~2.0236% | ~$5,040 | -29.7% |
| 2030 | ~$228,087 | ~$228,087 | ~1.9724% | ~$4,499 | -35.6% |
| 2026 | ~$336,355 | ~$336,355 | ~2.2285% | ~$7,496 | -5.0% |
| 2027 | ~$319,537 | ~$319,537 | ~2.2285% | ~$7,121 | -9.8% |
| 2028 | ~$303,560 | ~$303,560 | ~2.2285% | ~$6,765 | -14.3% |
| 2029 | ~$288,382 | ~$288,382 | ~2.2285% | ~$6,427 | -18.5% |
| 2030 | ~$273,963 | ~$273,963 | ~2.2285% | ~$6,105 | -22.6% |
| 2026 | ~$331,331 | ~$331,331 | ~2.1517% | ~$7,129 | -6.4% |
| 2027 | ~$310,063 | ~$310,063 | ~2.0748% | ~$6,433 | -12.4% |
| 2028 | ~$290,160 | ~$290,160 | ~1.9980% | ~$5,797 | -18.0% |
| 2029 | ~$271,535 | ~$271,535 | ~1.9211% | ~$5,216 | -23.3% |
| 2030 | ~$254,105 | ~$254,105 | ~1.8443% | ~$4,686 | -28.2% |
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.