4359 Southerland Rd

Troy, Texas, 76579

Redeemable DeedpendingSells Sep 1, 2026 · 11 days ago

View on map ↗

Opening bid

$73,500

Assessed value

$141,827

Land $4,451Improvement $137,376

Market / AVM

$274,000

Taxes owed

—

Parcel number: 28979
Case number: 25DCV352035
Land use: Residential
Building: 1,803 sqft
Acreage: 0.24
Lot size: 10,367 sqft
Year built: 1987
Owner of record: George Kaminski

Legal description

25DCV352035 Tax Appraisal District of Bell County v George Kaminski Lots 18, 19 and 20, Block 3, Original Town of Pendleton, Bell County, Texas (Document #2017-00048824, Official Public Records, Bell County, Texas), Southerland Rd;

Property facts enriched via realestateapi · 8/25/2026

Aerial view of 4359 Southerland Rd — the parcel — Aerial imagery from the USGS National Map. Flown on a multi-year cycle — it shows the site as photographed, which may predate clearing, construction or demolition. Not evidence of current condition.

Aerial view of 4359 Southerland Rd — what is around it — Aerial imagery from the USGS National Map. Flown on a multi-year cycle — it shows the site as photographed, which may predate clearing, construction or demolition. Not evidence of current condition.

Site & surroundings

Physical conditions that affect value and rarely appear on a listing.

FEMA flood zone A — special flood hazard area
1% annual chance flood (100-year). Insurance mandatory with a federally backed loan; no base flood elevation published for this zone. Flood insurance will be required for a federally backed mortgage, which is a permanent cost on any resale and can exceed the payment on a low-value parcel.

Context

Elevation 732 ft
Ground elevation at the parcel. Compare with the FEMA base flood elevation where one is published.
6% of homes vacant year-round in Census Tract 201.01
83 of 1,429 units vacant year-round, around or below the national tract average.
49% owner-occupied
Renters are the majority here. A retail resale is possible but the investor bid is what sets the floor.
Tract median home value $246,500
Self-reported median across the whole tract — context for whether a number is plausible, not a comparable and never a bid input.

County records

Official appraiser / assessor — free, always available. Copy the parcel number if the link opens a search page.

Bell CAD search ↗search: 28979
Assessor, Collector, Delinquent Taxes and Voter Registration ↗search: 28979
Property Tax Information and Tax Sales ↗search: 28979
Recorded Document Search ↗search: 28979
Google Maps (parcel / address search) ↗

Bell County rules

Sale type: Redeemable Deed
Redemption: 2 years for homestead/ag/mineral properties; 6 months for all other property
Return if redeemed: 25% penalty in year one, 50% in year two (homestead/ag); 25% flat for the 6-month category
Statute: Texas Tax Code Title 1, Subtitle E, Ch. 34

Full county profile →

Historical comps

No historical bucket for TX|Redeemable Deed

No recorded comps yet for this state/sale type. Run deedpilot-copilot import-history --deep and build-history-index.

Index 2026-08-01 · 87,879 total recorded outcomes

Liens that survive

Judgment extinguishes interests of named defendants; unjoined owners/lienholders can survive. Federal liens may retain rights. Post-judgment taxes often remain buyer’s responsibility. HOA/city demo-mow liens may survive. Deed is without warranty; title insurance difficult until redemption ends.

Quiet title

Title companies generally require quiet title after redemption expires before insuring free-and-clear marketable title.

Verify before you bid

This record was compiled from the published sale list. Parcels are pulled, redeemed, and re-priced up to the moment of sale. Confirm the lot is still in the sale, and confirm the opening bid, directly with the county.

Tax Appraisal District of Bell County (collects taxes) / Bell County Tax Assessor-Collector ↗

Deal analysis

Your maximum bid

$163,203

Walk away above this. Projected profit at the ceiling: $82,200 (30% of ARV).

Opening bid $73,500

Room to bid $89,703

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$102,853

Under max by $60,350

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for TX|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $274,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $274,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$21,920
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical TX range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical TX recording and deed issuance cost.: −$400
Holding costs (7 months)assumed Taxes, insurance, and securing the property at ~$411/month.: −$2,877
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$82,200
Maximum bid: $163,203

If the owner redeems

Flat penalty

25%

You'd receive

$40,801

Window

730 days

A 25% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

homestead and agricultural-use property (2 years); all other property is 180 days

Quoted elsewhere as 51% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. The 180-day vs 2-year window turns on the property's use at the time of sale, which the sale list does not state — treat any homestead-looking residential parcel as potentially 2-year.

AI risk brief

Reads this parcel against BellCounty's rules and flags what could go wrong — surviving liens, redemption exposure, title cost, and the facts we don't have. Takes about 35 seconds; the result is saved, so opening this lot again is instant.

Site & surroundings

Physical conditions that affect value and rarely appear on a listing.

FEMA flood zone A — special flood hazard area

1% annual chance flood (100-year). Insurance mandatory with a federally backed loan; no base flood elevation published for this zone. Flood insurance will be required for a federally backed mortgage, which is a permanent cost on any resale and can exceed the payment on a low-value parcel.

Context

Elevation 732 ft

Ground elevation at the parcel. Compare with the FEMA base flood elevation where one is published.

6% of homes vacant year-round in Census Tract 201.01

83 of 1,429 units vacant year-round, around or below the national tract average.

49% owner-occupied

Renters are the majority here. A retail resale is possible but the investor bid is what sets the floor.

Tract median home value $246,500

Self-reported median across the whole tract — context for whether a number is plausible, not a comparable and never a bid input.

Deal analysis

Your maximum bid

$163,203

Walk away above this. Projected profit at the ceiling: $82,200 (30% of ARV).

Opening bid $73,500

Room to bid $89,703

Confidence: medium — ARV from a provider market estimate, not comps.

History-guided suggestion

$102,853

Under max by $60,350

≤ oracle maxBid

Co-pilot target using recorded auction history. Never above your maximum bid.

History sample

—

Median sold

—

p(redeem) prior

—

No historical bucket for TX|Redeemable Deed; suggestion uses oracle only.

Your assumptions

After-repair value (ARV)

Override the derived estimate with real comps

Rehab budget

You cannot inspect before bidding — budget for the worst plausible condition

Known surviving liens

Municipal code enforcement, special assessments, federal tax liens

Target margin — 30%

Required profit as a share of ARV. 30% is a common floor for tax-sale flips.

How that number is built

Provider market estimate of $274,000. This is an as-is valuation, not an after-repair one — enter your own comparable-sales figure if the property needs work.

After-repair value: $274,000
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$21,920
Rehabassumed No rehab budget entered — assumed $0. Tax-sale parcels are sold unseen and un-inspected; this is rarely correct.: −$0
Quiet title (required)assumed Midpoint of the typical TX range ($1,800–$5,000, ~5 months).: −$3,400
Deed recording and transferassumed Typical TX recording and deed issuance cost.: −$400
Holding costs (7 months)assumed Taxes, insurance, and securing the property at ~$411/month.: −$2,877
Surviving liensassumed Assumed $0 — not verified. Municipal code-enforcement liens, special assessments, and federal tax liens can survive the sale.: −$0
Target profit (30% of ARV): −$82,200
Maximum bid: $163,203

If the owner redeems

Flat penalty

25%

You'd receive

$40,801

Window

730 days

A 25% flat penalty applies if the owner redeems. It is a penalty, not annual interest — the rate does not change with how early they redeem.

homestead and agricultural-use property (2 years); all other property is 180 days

Quoted elsewhere as 51% annualised — true only if they redeem on the last possible day and you immediately redeploy the capital. Treat the flat penalty as the real number.

Before you bid

Rehab is assumed to be $0. You cannot inspect these properties before bidding — budget for the worst plausible condition.
Surviving liens assumed $0. The 180-day vs 2-year window turns on the property's use at the time of sale, which the sale list does not state — treat any homestead-looking residential parcel as potentially 2-year.