34298 Fm 2520

San Benito, Texas, 78586

Redeemable DeedpendingSells Oct 6, 2026 · in 5 days

View on map ↗

Opening bid

$3,200

Assessed value

$274,073

Land $145,603Improvement $273,613

Market / AVM

$274,073

Taxes owed

—

Parcel number: 88-0020-0010-0010-00
Case number: 2022-DCL-05708
Land use: Commercial
Building: 2,000 sqft
Acreage: 7.47
Lot size: 325,585 sqft
Year built: 2000
Owner of record: Aurora Lopez

Property facts enriched via realestateapi · 9/29/2026

Aerial view of 34298 Fm 2520 — the parcel

Aerial view of 34298 Fm 2520 — what is around it

Site & surroundings

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

No mapped road within 150m
Nothing in the road network reaches this parcel. Landlocked parcels are common in tax sales and are the standard way to buy something that cannot be resold — verify legal access on the plat and the deed before bidding. OSM coverage is thinner in rural counties, so treat this as a reason to check rather than as a finding.
FEMA flood zone AO — special flood hazard area
1% annual chance sheet flow flooding, typically 1-3 feet. Insurance mandatory with a federally backed loan. 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.
High-voltage transmission line584 ft from parcel centre
Where a line crosses a parcel there is usually a recorded easement restricting what can be built under it — check the deed, not the map.

Context

Elevation 44 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 121.05

Property detail

RealEstateAPI PropertyDetail · Every populated field, as returned · 236 values

Summary(18)

Id	149,333,623
Flood zone	Yes
High equity	Yes
Last sale date	2009-11-04
Property type	OTHER
Absentee owner	Yes
Equity percent	78
Flood zone type	AO
Investor buyer	Yes
Estimated value	$274,073

County records

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

Cameron CAD search ↗search: 88-0020-0010-0010-00
Property Search and Pay Property Taxes ↗search: 88-0020-0010-0010-00
Tax Sale Properties ↗search: 88-0020-0010-0010-00
Recorded Document Search ↗search: 88-0020-0010-0010-00
Google Maps (parcel / address search) ↗

Cameron 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

HOA/POA liens can survive a Texas tax sale if the association recorded its lien and was not properly joined/notified. Federal tax liens survive (IRS rights). Post-judgment taxes and unjoined municipal liens may remain — search deed records before bidding.

Quiet title

Not legally mandatory, but title companies generally require a completed suit to quiet title before insuring, because of statutory redemption rights and possible un-joined lienholders.

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.

Cameron County Tax Assessor-Collector ↗

Deal analysis

Your maximum bid

$163,247

Walk away above this. Projected profit at the ceiling: $82,222 (30% of ARV).

Opening bid $3,200

Room to bid $160,047

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

History-guided suggestion

$60,689

Under max by $102,558

≤ 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 $274,073. 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: $274,073
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$21,926
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.: −$2,878
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): −$82,222
Maximum bid: $163,247

If the owner redeems

Flat penalty

25%

You'd receive

$40,812

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 CameronCounty'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.

No mapped road within 150m

Nothing in the road network reaches this parcel. Landlocked parcels are common in tax sales and are the standard way to buy something that cannot be resold — verify legal access on the plat and the deed before bidding. OSM coverage is thinner in rural counties, so treat this as a reason to check rather than as a finding.

FEMA flood zone AO — special flood hazard area

1% annual chance sheet flow flooding, typically 1-3 feet. Insurance mandatory with a federally backed loan. 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.

High-voltage transmission line584 ft from parcel centre

Where a line crosses a parcel there is usually a recorded easement restricting what can be built under it — check the deed, not the map.

Context

Elevation 44 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 121.05

149,333,623

Flood zone

Yes

High equity

Yes

Last sale date

2009-11-04

Property type

OTHER

Absentee owner

Yes

Equity percent

Flood zone type

Investor buyer

Yes

Estimated value

$274,073

Deal analysis

Your maximum bid

$163,247

Walk away above this. Projected profit at the ceiling: $82,222 (30% of ARV).

Opening bid $3,200

Room to bid $160,047

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

History-guided suggestion

$60,689

Under max by $102,558

≤ 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 $274,073. 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: $274,073
Selling costs on exitassumed 8.0% of ARV — agent commission plus seller-side closing.: −$21,926
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.: −$2,878
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): −$82,222
Maximum bid: $163,247

If the owner redeems

Flat penalty

25%

You'd receive

$40,812

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.

Apn	88-0020-0010-0010-00
Land use	Commercial
Lot acres	7.47
Lot number	1
Census block	1111
Census tract	012105
Property use	Commercial (General)
Subdivision	Valle Subdivision
Lot depth feet	1839.6
Lot width feet	184.6
Lot square feet	325,585
Property class	The general use for the property is for commercial purposes
Apn unformatted	8800200010001000
Census block group	1
Legal description	VALLE SUBDIVISION BLK 1 LOT 1 ACRES 7.114

Year	2,025
Tax amount	$4,727
Property id	149,333,623
Market value	$419,216
Assessed value	$274,073
Assessment year	2,025
Market land value	$145,603
Assessed land value	$145,603
Market improvement value	$273,613
Assessed improvement value	$273,613

Book	16652
Page	287
Seq no	1
Sale date	2009-11-04
Arms length	Yes
Buyer names	Mcqueen Produce Company Inc
Seller names	Mario Benavides, Jesus Ruben Benavides
Document type	Warranty Deed
Recording date	2010-02-05
Document number	2010-00004444
Purchase method	Cash Purchase
Transaction type	Non-Residential Arm's Length Transactions
Document type code	DTWD
Prior owner individual	Yes
Prior owner months owned	122

Owner1 type	Other
Owner2 type	Other
Mail address · zip	78586
Mail address · city	San Benito
Mail address · fips	48061
Mail address · zip4	6944
Mail address · house	24647
Mail address · label	24647 Resaca Santa Dr, San Benito, TX 78586
Mail address · state	TX
Mail address · county	Cameron County
Mail address · street	Resaca Santa
Mail address · address	24647 Resaca Santa Dr
Mail address · carrier route	R017
Mail address · address format	S
Absentee owner	Yes
Owner1 full name	Aurora Lopez
Owner1 last name	Lopez
Owner2 full name	Dba Ta Autoparts.
Owner2 last name	Dba Ta Autoparts.
Owner1 first name	Aurora
Ownership length	199
In state absentee owner	Yes

Book	Page	Seq no	Sale date	Arms length	Buyer names	Seller names	Document type	Recording date	Document number	Purchase method	Transaction type	Document type code	Owner individual
16652	287	1	2009-11-04	Yes	Mcqueen Produce Company Inc	Mario Benavides, Jesus Ruben Benavides	Warranty Deed	2010-02-05	2010-00004444	Cash Purchase	Non-Residential Arm's Length Transactions	DTWD
5801	263	2	1999-09-02	Yes	Jesus Ruben Benavides, Mario Benavides	Ruben G Montenegro	Warranty Deed	1999-09-02	37929	Cash Purchase	Non-Residential Arm's Length Transactions	DTWD	Yes
5081	016	3	1998-08-05	Yes	Ruben G Montenegro	Jose M Valle, Deborah I Valle	Vendors Lien	1998-08-11	31620	Financed	Non-Residential Arm's Length Transactions	DVTL	Yes

Fmr year	2023
Hud area code	METRO15180M15180
Hud area name	Brownsville-Harlingen, TX MSA
Median income	$38,489
Fmr efficiency	$632
Fmr one bedroom	$702
Fmr two bedroom	$893
Fmr four bedroom	$1,304
Fmr three bedroom	$1,156

Address · zip	78586
Address · city	San Benito
Address · fips	48061
Address · zip4	7111
Address · house	34298
Address · label	34298 Fm 2520, San Benito, TX 78586
Address · state	TX
Address · county	Cameron County
Address · street	Fm 2520
Address · address	34298 Fm 2520
Address · carrier route	R011
Address · jurisdiction	Cameron County
Address · congressional district	34
Stories	1
Deck area	0
Latitude	26.063108878670096
Pool area	0
Longitude	-97.69715106133486
Patio area	0
Porch area	400
Porch type	Open Porch
Year built	2,000
Rooms count	0
Units count	0
Property use	Commercial (General)
Basement type	NO BASEMENT
Roof material	105
Lot square feet	309,886
Parking spaces	0
Buildings count	2
Property use code	135
Garage square feet	0
Living square feet	2,000
Partial bathrooms	0
Roof construction	251
Interior structure	Gypsum Board/Drywall/Sheetrock/Wallboard
Basement square feet	0
Building square feet	2,000
Price per square foot	0
Parcel account number	187080
Plumbing fixtures count	0
Basement square feet finished	0
Basement square feet unfinished	0

Book	Open	Page	Term	Seq no	Amount	Loan type	Position	Term type	Lender code	Lender name	Lender type	Mortgage id	Grantee name	Document date	Interest rate	Loan type code	Maturity date	Recording date	Document number
17152	Yes	132	10	1	$96,000	Commercial	First	Month	O	G&T Investments	Other (Company Or Corporation)	63993	Homero Lopez	2010-08-30	0	COM	2011-08-30	2010-09-09	2010-00034676
7857		071	80	2	$30,000	Commercial		Month	B	Wells Fargo Bank	Bank	14902	Jesus Ruben Benavides, Mario Benavides		0	COM	2009-02-11	2002-03-26	15647

Ids	149333623, 167052000, 244111850, 700141668178
Total owned	4
Total value	$603,907
Total equity	$537,504
Purchased last6mos	0
Purchased last12mos	0
Total mortgage balance	$66,403