Homebuyer explainers for Texas

Plain-language guides to the records that most often surprise Texas homebuyers after closing: special taxes, flood zones, windstorm insurance, unpaid taxes and septic systems. Each one cites the agency that runs it.

• MUD and PID taxes in TexasSpecial districts that can add thousands a year to a tax bill, and the notices sellers owe you.
• FEMA flood zones: AE, VE, X and DWhat each zone on the flood map means, and when a lender requires flood insurance.
• TWIA windstorm insurance on the Texas coastWhy coastal homes often need a separate wind and hail policy, and the certificate it depends on.
• Unpaid property taxes and tax liens in TexasA Texas tax lien stays with the house. How penalties grow and how to make sure it's paid at closing.
• The Texas homestead exemptionThe $140,000 school-tax exemption, the 10% cap, and how to apply after you move in.
• Buying a Texas home with a septic systemPermits, aerobic maintenance contracts and inspections for on-site sewage systems.
• Colonias: what homebuyers should knowBorder-region subdivisions that may lack water, sewer, roads or a legal plat, and contract-for-deed risks.

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