How do you handle flood insurance for coastal Corpus properties?

We track flood-zone classifications and the corresponding NFIP or private flood insurance requirements on every escrowed coastal loan. If the policy lapses or the flood-zone classification changes, we follow the Reg X §1024.37 force-placed-insurance procedures: notice to the borrower, reasonable opportunity to obtain replacement coverage, and force-place only if the borrower does not.

What happens to escrow after a hurricane?

Hurricane aftermath usually means an insurance claim flowing into a property restoration and a property tax reassessment by the county appraisal district to reflect damage. We coordinate the insurance and escrow side with the borrower, the carrier, and the lender. If the lender chooses to grant a temporary forbearance, we service the loan on those terms. The annual escrow analysis captures any tax adjustment.

Are San Patricio County (Portland, Ingleside) sales handled differently?

No. San Patricio County follows Tex. Property Code §51.002 like every other Texas county. The sale happens at the San Patricio County Courthouse in Sinton on the first Tuesday of the month. Trustee coordination follows our standard rotation.

Mortgage note servicing in Corpus Christi

Texas-licensed mortgage note servicing for Corpus Christi private lenders, serving a metro of about 430,000.

Counties covered

Nueces, San Patricio, Aransas, Kleberg

Primary foreclosure venue

Nueces County Courthouse — Nueces County

Population

~430,000

The Corpus Christi private-lender market

Corpus Christi anchors the Texas Coastal Bend. Nueces and San Patricio counties form the urban core; Aransas and Kleberg add coastal and rural acreage. The seller-finance market mixes urban Corpus-Christi-proper owner-finance paper, Portland and Ingleside subdivision-developer paper (heavily influenced by the LNG and port industries), and rural coastal acreage in Kleberg and Aransas. Hurricane Harvey aftermath continues to affect coastal property valuations and force-placed-insurance posture.

Foreclosure mechanics in Corpus Christi

Nueces County foreclosure sales happen at the Nueces County Courthouse, 901 Leopard St, Corpus Christi, TX 78401, in the designated foreclosure-sale area set by the Nueces County Commissioners Court. San Patricio County sales happen at the San Patricio County Courthouse in Sinton; Aransas County at the Aransas County Courthouse in Rockport; Kleberg County at the Kleberg County Courthouse in Kingsville. First-Tuesday §51.002 cadence applies across the region.

For the full §51.002 timeline and the first-Tuesday rule applied to any month, see the Texas foreclosure timeline and the Texas Foreclosure Calendar tool.

Corpus Christi property tax escrow

Corpus Christi effective property tax rates run roughly 2.0 to 2.5 percent of market value. Nueces and San Patricio carry overlapping county, city, school district, ESD, and (in some areas) hospital-district taxes. Coastal flood-zone classifications affect insurance premiums materially, which compounds the escrow workload during years of hurricane-driven reassessment.

For the year-in-the-life property-tax calendar (Jan 1 lien date, Jan 31 due, Feb 1 penalty cascade), see our property tax escrow page.

Why a Texas-only servicer fits Corpus Christi

Coastal servicing requires comfort with flood-zone insurance, hurricane-aftermath force-placed posture, and the multi-jurisdiction tax stacks common in the Coastal Bend. Our Texas-only book includes meaningful Corpus Christi exposure across all four core counties.

Primary foreclosure-sale venue

Nueces County Courthouse

901 Leopard St, Corpus Christi, TX 78401

Sales held on the first Tuesday of each month between 10:00 a.m. and 4:00 p.m., per Tex. Property Code §51.002. The specific designated foreclosure-sale area within the designated sale location is set by the Nueces County Commissioners Court and identified on the Notice of Sale.

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FREQUENTLY ASKED

Corpus Christi questions, answered

This page is general information about mortgage note servicing in the Corpus Christi area. It is not legal advice. Foreclosure procedure, property tax administration, and licensing requirements depend on the specific loan, county practice, and applicable law; consult a Texas real estate attorney for any specific transaction. Moat Note Servicing, LLC (NMLS 1419346) is a Texas-licensed mortgage servicer based at 1602 N PanAm Expy, San Antonio, TX 78208. We serve all of Texas including Nueces, San Patricio, Aransas, Kleberg.

Texas-licensed servicing for Corpus Christi portfolios

Bring a sample loan from Nueces or any of the surrounding counties. We will tell you whether we fit and how the boarding looks.

Schedule a Consultation Or call us: (210) 504-8878