130 E BEN WHITE BLVD TX 78704
| Owner | UNIVERSITY FEDERAL CREDIT UNION |
|---|---|
| Parcel ID | 0410030109 |
| Short ID | 734360 |
| Type | Real |
| Use Code | 58 Bank — Branch Office |
| Valuation | Income |
| Improvement SF | 3,982 SF |
| Land SF | 65,660 SF |
| Acres | 1.507 |
| Year Built | 2008 |
| Legal | LOT 2 BLK A KRAMER J F JR SUBD NO 1 |
| Neighborhood | 58SCN |
| Land | $6,566,000 |
|---|---|
| Special Use Land Market | Not Available |
| Total Land | $6,566,000 |
| Improvement | $1,234,000 |
|---|---|
| Total Improvement | $1,234,000 |
| Market | $7,800,000 |
|---|---|
| Special Use Exclusion (−) | Not Available |
| Appraised | $7,800,000 |
| Value Limitation Adjustment (−) | — |
| Net Appraised (assessed) | $7,800,000 |
| Taxable Value | $7,800,000 |
|---|
Appreciation: Market value has risen +128.5% from $3,414,300 (2021) to $7,800,000 (2025), a CAGR of 22.9% over 4 years. This is strong appreciation — well above typical inflation. 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 outpaced the broader commercial market over the same period.
Tax Burden: The combined rate across 5 taxing entities is 2.0465% in 2025 (+0.0647% vs 2024 — rates increased ). At the current taxable value, estimated annual taxes are $159,626. Austin ISD is the largest single contributor, at 45.2% 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 84% of market value ($6,566,000 land vs $1,234,000 improvements), about $100/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 $7,800,000, 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 +22.9% Base-scenario CAGR (Based on 2021–2025 certified trend, projected forward from 2025), the model projects market value near $21,907,144 by 2030, with an estimated annual tax burden around $236,635. 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 | 34,448 SF | ✗ |
| 1ST | 1st Floor | 3,982 SF | ✓ |
| 501 | CANOPY | 2,656 SF | ✗ |
| 503 | CANOPY - BANK | 2,532 SF | ✗ |
| 327 | STORAGE COMM'L | 34 SF | ✓ |
| 482 | LIGHT POLES | 7 SF | ✓ |
Market value changed by 115% in 2023, 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 |
|---|---|---|---|---|---|---|---|---|---|
| IAU Austin ISD | 1.0617% | 0.9966% | 0.8595% | 0.9505% | 0.9252% | -0.0253% | $72,165.60 | $72,165.60 | Paid |
| CAT City of Austin | 0.5410% | 0.4627% | 0.4458% | 0.4776% | 0.5240% | +0.0464% | $40,873.33 | $40,873.33 | Paid |
| TCO Travis County | 0.3574% | 0.3182% | 0.3047% | 0.3444% | 0.3758% | +0.0314% | $29,315.91 | $29,315.91 | Paid |
| THD Travis Central Health | 0.1118% | 0.0987% | 0.1007% | 0.1080% | 0.1180% | +0.0101% | $9,205.79 | $9,205.79 | Paid |
| ACT Austin Community College | 0.1048% | 0.0987% | 0.0986% | 0.1013% | 0.1034% | +0.0021% | $8,065.20 | $8,065.20 | Paid |
| Combined Rate | 2.1767% | 1.9749% | 1.8092% | 1.9818% | 2.0465% | +0.0647% | $159,625.83 | $159,625.83 | Paid |
| 2026 Certified Certified | 2025 Certified Certified | Change 2025→2026 | |
|---|---|---|---|
| Market Value | $8,312,639 | $7,800,000 | +6.6% |
| Assessed Value | $8,312,639 | $7,800,000 | +6.6% |
| Land Value | $6,566,000 | $6,566,000 | +0.0% |
| Improvement Value | $1,746,639 | $1,234,000 | +41.5% |
| Taxable Value | $8,312,639 | $7,800,000 | +6.6% |
| Total Tax 2026 = estimate |
~$170,117
Estimated
|
~$159,626
Partial
|
ⓘ |
| 2026 Preliminary Preliminary | 2026 Certified Certified | Change | |
|---|---|---|---|
| Market Value | $8,312,639 | $8,312,639 | +0 (+0.0%) |
| Taxable Value | $8,312,639 | $8,312,639 | +0 (+0.0%) |
| Year | Market Value | Land Value | Imprv Value | Value Limitation Adj (−) | Net Appraised (Assessed) | Taxable Value | Total Tax | Source |
|---|---|---|---|---|---|---|---|---|
| 2026 | $8,312,639 | $6,566,000 | $1,746,639 | — | $8,312,639 | $8,312,639 | Not yet — post-cert | Certified — no billing yet |
| 2025 | $7,800,000 | $6,566,000 | $1,234,000 | — | $7,800,000 | $7,800,000 | ~$159,626 | Partial |
| 2024 | $7,680,255 | — | — | −$1,114,255 | $6,566,000 | $— | $154,581 | Verified |
| 2023 | $3,569,372 | — | — | — | $6,566,000 ! | $— | $138,955 | Verified |
| 2022 | $3,569,372 | — | — | −$942,972 | $2,626,400 | $— | $70,492 | Verified |
| 2021 | $3,414,300 | — | — | −$787,900 | $2,626,400 | $— | $77,694 | Verified |
| Year | MktVal YoY | Assessed YoY | Asmt Ratio | Eff. Tax Rate | Coverage |
|---|---|---|---|---|---|
| 2026 | +6.6% | +6.6% | ~100% | Not available | Partial |
| 2025 | +0.0% | +0.0% | ~100% | Not available | Partial |
| 2024 | +1.6% | +1.6% | ~100% | 1.9800% | Verified |
| 2023 | +115.2% ! | +115.2% | ~100% | 1.8100% | Verified |
| 2022 | +0.0% | +0.0% | ~100% | 1.9700% | Verified |
| 2021 | base year | — | ~100% | 2.2800% | Verified |
| Cumulative market value growth (earliest valid year → 2025): +118.5% | |||||
| 12 Month | Hist. Avg | Forecast Avg | Peak | When | Trough | When | |
|---|---|---|---|---|---|---|---|
| Market Value Growth | +6.6% | +25.6% | +21.4% | +115.2% | 2024 | +0.0% | 2023 |
| Assessment Ratio | 100.0% | 103.3% | — | 184.0% | 2023 | 73.6% | 2022 |
| Effective Tax Rate (2025) | 2.0500% | 2.0500% | — | 2.0500% | 2025 | 2.0500% | 2025 |
|
Tax Amount
⚑ 2025 total is a derived or partial figure, not independently confirmed |
$159,626 | $120,270 | ~$203,520 | $159,626 | 2025 | $70,492 | 2022 |
| Year | ~Mkt Value | ~Assessed | ~Rate | ~Ann. Tax | Value Δ |
|---|---|---|---|---|---|
| 2026 | ~$9,589,431 | ~$8,580,000 | ~2.0139% | ~$172,796 | +22.9% |
| 2027 | ~$11,789,383 | ~$9,438,000 | ~1.9814% | ~$187,003 | +51.1% |
| 2028 | ~$14,494,035 | ~$10,381,800 | ~1.9488% | ~$202,325 | +85.8% |
| 2029 | ~$17,819,172 | ~$11,419,980 | ~1.9163% | ~$218,840 | +128.5% |
| 2030 | ~$21,907,144 | ~$12,561,978 | ~1.8837% | ~$236,635 | +180.9% |
| 2026 | ~$9,433,431 | ~$8,580,000 | ~2.0465% | ~$175,588 | +20.9% |
| 2027 | ~$11,408,925 | ~$9,438,000 | ~2.0465% | ~$193,147 | +46.3% |
| 2028 | ~$13,798,117 | ~$10,381,800 | ~2.0465% | ~$212,462 | +76.9% |
| 2029 | ~$16,687,638 | ~$11,419,980 | ~2.0465% | ~$233,708 | +113.9% |
| 2030 | ~$20,182,267 | ~$12,561,978 | ~2.0465% | ~$257,079 | +158.7% |
| 2026 | ~$9,745,431 | ~$8,580,000 | ~1.9977% | ~$171,399 | +24.9% |
| 2027 | ~$12,176,080 | ~$9,438,000 | ~1.9488% | ~$183,931 | +56.1% |
| 2028 | ~$15,212,967 | ~$10,381,800 | ~1.9000% | ~$197,256 | +95.0% |
| 2029 | ~$19,007,298 | ~$11,419,980 | ~1.8512% | ~$211,406 | +143.7% |
| 2030 | ~$23,747,988 | ~$12,561,978 | ~1.8024% | ~$226,413 | +204.5% |
In 2025, this property's market value of $7,800,000 places it in the top 25% for Commercial properties in Travis County (13608 comparable) — 6× 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 | $7,800,000 | $649,268 | $1,417,484 | $3,347,260 | ↑ Top 25% | -0.8% |
| 2024 | $7,680,255 | $661,016 | $1,438,465 | $3,471,171 | ↑ Top 25% | +0.0% |
| 2023 | $3,569,372 | $667,828 | $1,414,358 | $3,374,900 | ↑ Top 25% | +9.7% |
| 2022 | $3,569,372 | $553,066 | $1,215,730 | $2,939,150 | ↑ Top 25% | +3.3% |
| 2021 | $3,414,300 | $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.