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Collateral and hazard records for lenders and underwriters

A credit file gets the county parcel and assessment record behind the collateral, the published flood and hazard picture for the location, the program geography that changes terms, and the public lending and housing context around it, each with the agency and the year attached. None of it is a flood determination, an appraisal, or a credit report, and those three are where the regulated answers live.

65 connected sources reach this work today, each with a page of its own naming the office behind it, how often it changes, and the questions it will not answer. Read from the ParcelOps source registry on September 9, 2026.

Who this is for.

Mortgage, commercial, and portfolio credit teams, and the insurance underwriters reading the same file.

Two of the property questions in a credit file have regulated answers with named vendors behind them. Confusing those two with the rest is how a file ends up resting on the wrong document.

What the file still needs.

  • What do the county record and the assessment history say about this collateral?
  • What does the published flood map say about the location, and from which panel?
  • Does the location fall inside a program area that changes the terms?
  • What does mortgage lending and housing activity look like around it?

What answers those questions.

Nobody maintains this roster by hand. Each block claims a kind of source, the directory fills it at build time, and a source connected next month appears here on the build after that.

Collateral records

The county parcel and assessment record for the property.

  • US Public Parcels

    Points to the official parcel source for every US state, DC, and inhabited territory. The same query format works wherever ParcelOps has checked a public source.

  • Texas Statewide Parcels

    Official statewide Texas parcel lookup from the Texas Geographic Information Office. Fields include the address on the tax record, owner, value, land use, and tax year where published.

  • Netherlands Cadastre

    Parcel shapes for the whole Netherlands from the national land registry, Kadaster, on its official PDOK data service.

  • Regrid Premium Parcels

    Nationwide standardized Regrid parcel records for owner, land use, zoning, acreage, and assessed values, using your own Regrid API key.

  • ATTOM Property Data

    ATTOM property detail, county assessment, recorded sale history, and AVM estimates with your own ATTOM API key.

  • RentCast Property & Rents

    RentCast property records, value estimates, long-term rent estimates, and sale comparables with your own RentCast API key.

  • Florida Statewide Parcels

    Statewide 2025 parcel attributes and geometry for all 67 Florida counties.

  • BLM Public Land Survey System

    Official PLSS township, range, section, meridian, and survey geometry.

  • Louisiana State Lands

    A clearly labeled October 25, 2023 snapshot of Louisiana state-owned land tracts.

  • North Dakota Trust Surface Lands

    North Dakota trust-land surface agricultural leases and public-access attributes.

  • Texas County Exemption Rules

    Texas agricultural and wildlife exemption rules, appraisal district contacts, and productivity values for all 254 counties.

  • Texas Appraisal History

    Search all 252 Texas counties by address, owner, legal description, or map point, screen rural land by acreage and owner type, and read full appraisal and exemption history.

  • US Public Assessments

    Search official public assessment records across selected states and major cities, with up to three years where the publisher provides them.

Hazard record

Flood, wildfire, seismic, and the environmental record at the location.

Programs and lending context

Program geography, published mortgage records, and housing activity nearby.

The borrower entity on paper

What a company has filed publicly, and what it appears on a list for.

Catalogued for this role, not live.

ParcelOps has these in the directory for this kind of work and has not connected them, so they answer nothing today and no link goes to them. Naming them is the point of a page like this: USACE National Structure Inventory, Census LODES Workforce Context, CDFI Fund Awards, SBA Commercial Loan Context, Spain Cadastre INSPIRE, France Cadastre, UK Land Registry INSPIRE.

What this does not cover.

The paragraph a directory of sources will not write, and the one worth reading before an answer goes into a decision someone else pays for.

  • No credit data, no borrower data, and no scores. Nothing here touches a consumer report.
  • No appraisal and no automated valuation. Assessed value is a tax record.
  • No flood hazard determination. ParcelOps returns the published map answer and the panel behind it, which is a different document with different liability attached.
  • Sale prices exist only where a state publishes them, so a value history in a non-disclosure state is an assessment history alone.

What each record decides, and what it does not.

These four are the ones a credit memo most often overstates.

A flood zone reading
What comes back is the modeled designation and the map panel behind it. A standard flood hazard determination is a separate regulated product, and the lender requirement is satisfied by that document rather than by this one.
A program designation
A location either falls inside a published designation for a given year or it does not. Applicant facts, program rules, and the agency decide eligibility.
An assessed value
A tax record on a statutory schedule. Useful as a consistency check against an appraisal, never a substitute for one.
An entity match
Public filings show what was filed under a name. Control, beneficial ownership, and current standing need the primary record.

County by county.

Collateral is county work. The county pages name the counties where ParcelOps has a parcel route it has queried and checked, and the fields that route returns.

Coverage here is stated county by county rather than claimed nationally. A county gets a page once there is a route ParcelOps has queried and checked, with named fields and a check date, and a county without one is named as having none. Last checked July 30, 2026.

TexasVirginiaNorth CarolinaTennesseeNebraskaIndianaOhioMississippi

See every state and county with a checked parcel route.

Questions credit teams ask.

Can this replace a flood zone determination?

No. The determination is a regulated product with a vendor, a form, and liability attached to it, and a lender obligation is met by that document. What ParcelOps returns is the published map answer with the panel it was read from, which is the same underlying map read earlier in the process and at no cost.

Where does program geography change a credit decision?

It flags the files that need a program review, and it does that before anyone has spent time on one. A location either falls inside a published designation for a stated year or it does not, which routes the file. Whether the deal qualifies is decided by the program rules, the applicant facts, and the agency, and the year of the file that was read comes back so a stale designation is visible.

How do I document where a number came from?

Every answer names the publishing agency, the file, and the date it was read, and those travel with the value rather than sitting in a separate note. That is the part a credit file and an examination both need, and it is the part that disappears when someone copies a figure out of a county website into a spreadsheet.

The work this sits in.

  • Residential real estate

    The parcel record, the housing programs that touch an address, and the conditions a buyer asks about.

  • Commercial real estate

    Parcel and assessment records, building programs, and the entity on the other side of the deal.

Other roles.

  • Land brokers

    The county record behind a tract, the ground under it, and the questions only a survey or a deed can settle.

  • Site selectors

    Grid, water, hazard, airspace, and parcel screening for candidate sites, before anyone signs a letter of intent.

  • Commercial real estate analysts

    The assessor record, the program geography, the environmental file, and the entity across the table.

  • Residential agents

    The county facts behind an address, the flood answer buyers ask for, and the programs a buyer may fall inside.

  • Appraisers and assessment staff

    Assessment history by year, the parcel record behind it, and the site conditions a report has to mention.

  • Property tax consultants

    Year by year assessment history, the parcel record, and the conditions that argue against a carried value.

  • Environmental consultants

    Facilities, releases, water, wetlands, and land reuse records around a site, with what each record actually asserts.

  • Title and escrow teams

    No recorded documents and no search. What is here is the county record a file gets reconciled against.

  • Real estate attorneys

    Federal rule text with its citation, open rulemaking, party records, and the property facts behind a filing.

  • Platform and integration engineers

    One endpoint across parcel, hazard, siting, program, and entity records, with per source coverage and limits published up front.

Check it against a property you already know.

The free plan includes 50 tool calls for the life of the account. They never expire and never refill, and there is no credit card. The fastest way to judge any of this is to run an address whose answer you can already verify.

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