Property tax rate refer to county tax office
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
Lets address this 2 part question beginning with TAXES. The 'tax-rate' doesn't tell the "whole-story" with respect to: how much would you pay on a particular property. Exemptions affect the 'answer' considerably. Homestead, over 65, disability...to name a few. In addition, a property owner who has lived in their HOMESTEAD for an extended # of years pays LESS than a neighbor whose property may be 'valued' the same, but because it's a 2nd home without ANY exemptions, could be 'taxed' at the same rate but on a 'higher' taxable value. So, answering the question 'tax rate' doesn't exactly give you a clear picture of what you'd pay on a property. The BEST way, is to call the Aransas County Appraisal District 361.729.9733 to ascertain what deductions you might qualify for to determine an estimate of what your taxes would be on a particular property based on the 'previous year's assessment'-since the TAX RATE has not been set for 2011.
INSURANCE: Most likely you'll want quotes on windstorm, flood & 'regular' homeowner's insurance. Quotes on windstorm can vary depending upon whether the structure, i.e. roof particularily has a "windstorm certificate". Flood insurance premiums are affected by the property's elevation. Typically an elevation certificate is ordered at same time as the survey to determine Flood Zone A, B, C with "C" being the HIGHEST elevation. Therefore, properties located in the "C" Zone are less than "A" zone. In addition, a "Clue" report is obtained along with your credit report to determine insurance rates. It's best to contact an insurance agent to discuss the rates once a property has been identified because the answer can vary significantly.
I'm sorry I'm not able to give you more of an EXACT answer to your questions. There are just tooo many variables that can affect the outcome. Hope this helps.
Lynn Johnson, ABR, CRS, REALTOR
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