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Single Family ResidenceResidential
$225,509$148 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

18316 SPECULATOR LN

ELGIN, TX 78621
3
Beds
2
Baths
1,520 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$226K
$205K low$246K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,603 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$299,514 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$75,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$224,514
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$289,509
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$299,514

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
49
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyTravis
Lot (acres)The size of the land the home sits on, from county records.0.14
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 16 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Elgin High SchoolD
High · Grades 9–12 · 0.5 mi
M
Elgin Middle SchoolC-
Middle · Grades 7–8 · 1.6 mi
E
Harvest Ridge Elementary School
Elementary · Grades PK–4 · 3.1 mi

District: Elgin Independent School District

Neighborhood · ZIP 78621These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.27,790
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.151 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,713
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,527
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

18316 Speculator Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 97% of homes in Travis County
  • Costs less per square foot than 96% of homes in Travis County
  • Smaller than 67% of homes in Travis County
  • Has a smaller lot than 85% of homes in Elgin 78621
  • Newer than 97% of homes in Travis County

What homes are worth in Elgin 78621

Each bar is how many homes fall in that price range. The marker is this home.

This home
$177K$742K

This home is worth more than 17% of homes in Elgin 78621.

How it measures up in Elgin 78621

The dot is this home. The mark in the middle is the typical home in Elgin 78621.

Estimated value$225,509
CheaperTypical $277,941Pricier

Pricier than 17% of homes nearby

Price per ft²$148
CheaperTypical $172Pricier

Pricier than 27% of homes nearby

Living area1,520 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.14 ac
SmallerTypical 0.48 acBigger

Bigger than 15% of homes nearby

Year built2022
OlderTypical 2005Newer

Newer than 91% of homes nearby

How 18316 Speculator Ln ranks against every home in each area.
MeasureThis homeElgin 78621Travis County
Estimated valuepricier than$225,50917% of homes3% of homes
Price per ft²pricier than$14827% of homes4% of homes
Living areabigger than1,520 ft²44% of homes33% of homes
Lot sizebigger than0.14 ac15% of homes24% of homes
Year builtnewer than202291% of homes97% of homes

About 18316 Speculator Ln

How much is 18316 Speculator Ln, Elgin, TX worth?

The TopHap Estimate for 18316 Speculator Ln, Elgin, TX is $225,509 as of Sep 24, 2026. The likely range is $205,482 to $245,536. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18316 Speculator Ln, Elgin, TX last sell?

18316 Speculator Ln, Elgin, TX last sold on Apr 21, 2022, according to the county's recorded deed.

How big is 18316 Speculator Ln, Elgin, TX?

18316 Speculator Ln, Elgin, TX has 3 bedrooms, 2 bathrooms, 1,520 square feet of living space and a 0.14-acre lot.

When was 18316 Speculator Ln, Elgin, TX built?

18316 Speculator Ln, Elgin, TX was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 18316 Speculator Ln, Elgin, TX?

18316 Speculator Ln, Elgin, TX is assigned to Elgin High School (high), rated D; Elgin Middle School (middle), rated C-; Harvest Ridge Elementary School (elementary). All sit in Elgin Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18316 Speculator Ln, Elgin, TX compare to other homes in Elgin 78621?

Among the 13,237 homes in Elgin 78621, it is worth more than 17% of them ($225,509 against a typical $277,941), its price per square foot is higher than 27% of them ($148 against a typical $172), it is bigger than 44% of them (1,520 ft² against a typical 1,600 ft²), its lot is bigger than 15% of them (0.14 ac against a typical 0.48 ac) and it is newer than 91% of them (2022 against a typical 2005). Measured against all of Travis County, it is worth more than 3% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 18316 Speculator Ln, Elgin, TX?

The 2024 property tax bill for 18316 Speculator Ln, Elgin, TX was $1,603. The county assessed it at $299,514.

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