Investor profile - TX
Julia Ratcliff
Julia Ratcliff is a real estate investor and operator based in Houston, TX. Public filings show activity across 219 properties held through 2 holding companies. Recent mortgage relationships include First Financial Bank and Guaranty Bank & Trust.
Julia's Activity
As of December 2025, public records show approximately $376.0M in recorded mortgage exposure linked to this investor across at least 791 mortgage filings and 219 properties held through 2 holding companies. Activity appears concentrated in residential and vacant assets recorded between 2014 and 2025.
Primary Geography
Houston, TX
ZIP codes: 77808, 77845, 77802, 77803, and 77807
Most recorded activity for this investor appears in BRYAN and COLLEGE STATION.
Property Type Breakdown
Associated Entities (2)
TX · 50 properties · 460 mortgages
TX · 40 properties · 331 mortgages
Mortgages (791)
Top Lenders
| Date | Amount | Status | Lender | Borrower | Address |
|---|---|---|---|---|---|
| 12/11/2025 | $560k | Open | First Financial Bank | REECE HOMES LLC | - |
| 12/11/2025 | $502k | Open | First Financial Bank | REECE HOMES LLC | - |
| 12/02/2025 | $620k | Open | First Financial Bank | REECE HOMES LLC | 3615 PALO VERDE CIR, BRYAN, TX 77807 |
+788 more not shown
Owned Properties (219)
| Address | Deeded owner | Status | Consideration |
|---|---|---|---|
| 3584 POINTE DU, BRYAN, TX 77808 | AVONLEY HOMES LLC | Owns - 4 mos | $372k |
| 3273 ROSE HILL LN, BRYAN, TX 77808 | REECE HOMES LLC | Owns - 5 mos | $713k |
| 3180 MARGARET RUDDER PKWY, BRYAN, TX 77808 | AVONLEY HOMES LLC | Owns - 5 mos | $362k |
+216 more not shown
FAQ
What type of real estate does this investor focus on?
Associated mortgages and deeds show activity in residential, vacant, and commercial properties across Houston, TX.
What companies is Julia Ratcliff associated with?
Julia Ratcliff is associated with 2 entities based on extracted signatures from public records. Key entities include REECE HOMES LLC and AVONLEY HOMES LLC.
How many properties are associated with this investor?
At least 219 properties are associated with Julia Ratcliff and the entities they control, based on signatures extracted from recorded documents connecting Julia Ratcliff to the entities.
Which lenders has this investor worked with?
Recent mortgage activity references First Financial Bank and Guaranty Bank & Trust, indicating a mix of lending relationships.
How recent is their activity?
Records show activity from 2014 through 2025, with the most recent mortgage recorded in 2025.
How is associated activity determined?
Elementix uses AI to extract signatures from recorded documents. These signatures are used to determine the relationships between people and entities. This is a novel approach that goes beyond looking at corporate filings and skip-tracing.
The information displayed on this page is compiled from recorded real estate documents, business filings, and other lawfully available sources. Elementix summarizes and analyzes public record activity related to investment real estate and associated business entities. Any contact indicators shown (such as email domain references or partial phone digits) are provided solely as unverified signals and may be incomplete or outdated.
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