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Single Family ResidenceResidential
$270,568$122 / 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 92How 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

18320 SPECULATOR LN

ELGIN, TX 78621
4
Beds
3 / 1
Baths
2,212 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.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$271K
$249K low$292K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,908 (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.$342,705 (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.$267,705
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$344,598
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$342,705

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 SchoolD-
Middle · Grades 7–8 · 1.6 mi
E
Harvest Ridge Elementary SchoolF
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%

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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

18320 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 91% of homes in Travis County
  • Among the lowest price per square foot in Travis County
  • Bigger than 81% of homes in Elgin 78621
  • Has a smaller lot than 83% of homes in Elgin 78621
  • Newer than 96% 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$724K

This home is worth more than 46% 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$270,568
CheaperTypical $277,764Pricier

Pricier than 46% of homes nearby

Price per ft²$122
CheaperTypical $172Pricier

Pricier than 7% of homes nearby

Living area2,212 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.14 ac
SmallerTypical 0.38 acBigger

Bigger than 17% of homes nearby

Year built2022
OlderTypical 2005Newer

Newer than 90% of homes nearby

How 18320 Speculator Ln ranks against every home in each area.
MeasureThis homeElgin 78621Travis County
Estimated valuepricier than$270,56846% of homes9% of homes
Price per ft²pricier than$1227% of homesalmost no homes
Living areabigger than2,212 ft²81% of homes65% of homes
Lot sizebigger than0.14 ac17% of homes24% of homes
Year builtnewer than202290% of homes96% of homes

About 18320 Speculator Ln

How much is 18320 Speculator Ln, Elgin, TX worth?

The TopHap Estimate for 18320 Speculator Ln, Elgin, TX is $270,568 as of Sep 24, 2026. The likely range is $249,089 to $292,047. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18320 Speculator Ln, Elgin, TX last sell?

18320 Speculator Ln, Elgin, TX last sold on Apr 20, 2022, according to the county's recorded deed.

How big is 18320 Speculator Ln, Elgin, TX?

18320 Speculator Ln, Elgin, TX has 4 bedrooms, 3 bathrooms, 2,212 square feet of living space and a 0.14-acre lot.

When was 18320 Speculator Ln, Elgin, TX built?

18320 Speculator Ln, Elgin, TX was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 18320 Speculator Ln, Elgin, TX?

18320 Speculator Ln, Elgin, TX is assigned to Elgin High School (high), rated D-; Elgin Middle School (middle), rated D-; Harvest Ridge Elementary School (elementary), rated F. All sit in Elgin Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18320 Speculator Ln, Elgin, TX compare to other homes in Elgin 78621?

Among the 13,675 homes in Elgin 78621, it is worth more than 46% of them ($270,568 against a typical $277,764), its price per square foot is higher than 7% of them ($122 against a typical $172), it is bigger than 81% of them (2,212 ft² against a typical 1,600 ft²), its lot is bigger than 17% of them (0.14 ac against a typical 0.38 ac) and it is newer than 90% of them (2022 against a typical 2005). Measured against all of Travis County, it is worth more than 9% 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 18320 Speculator Ln, Elgin, TX?

The 2024 property tax bill for 18320 Speculator Ln, Elgin, TX was $1,908. The county assessed it at $342,705.

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