1001 Cliff Dr, Graham, TX 76450 Property Records

Young County property record for 1001 Cliff Dr, Graham, TX 76450

Property Summary

Property Type	Rural Home
Details	2,520 sqft · built 2020
Lot Size	45 acres (1,960,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Aug 2022)
Tax Bill	$19,584 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00096-0000-0000-1`

Property Details

APN / Parcel Number

Primary APN	`00096-0000-0000-1`
Alternative APN	`772196`

Interior

Building Area	2,520 sqft Living Area
Gross Area	13,211 sqft
1st Floor Area	2,520 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	1,960,200 sqft (45 acres)
Garage Type	Detached
Garage Area	4,368 sqft

Location & Zoning

Street Address	1001 CLIFF DR
City	GRAHAM
State	TX
Zip	76450-4107
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S FERGUSON - A-0096 45AC
Legal Subdivision	SILAS FERGUSON SURVEY ABSTRACT NO 96
Jurisdiction	YOUNG TX
Township / Civil Division	GRAHAM
Census Block Group	5
Census Block	5000
Census Tract	950600

Owner

Source: Young County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1001 CLIFF DR, GRAHAM, TX 76450-4107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage GRAHAM SAVINGS AND LOAN SSB
Apr 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK
May 14, 2021
Dec 4, 2018	Warranty Deed, Transfer GUARANTY ABSTRACT COMPANY, GUARANTY ABSTRACT CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Dec 4, 2018
Deed Document Number	20222810
Prior Transfer Date	May 13, 2021
Prior Transfer Doc	0000001561
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOUNG TX
Property Address	1001 CLIFF DR, GRAHAM, TX 76450-4107
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022002811
Date	Aug 30, 2022
Instrument	22002811

Lender

Name	GRAHAM SAVINGS AND LOAN SSB
Type	Bank
Address	GRAHAM, TX 76450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	12.7%
Index	Other
Max Rate	12.7%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOUNG TX
Property Address	1001 CLIFF DR, GRAHAM, TX 76450-4107
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020000830
Date	Apr 2, 2020
Instrument	20000830

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GRAHAM, TX 76450

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021:

Jurisdiction	YOUNG TX
Recording Date	May 14, 2021
Property Address	1001 CLIFF DR, GRAHAM, TX 76450-4107
Document Number	0021001561
Map Reference	VOL 207 PG 23
Instrument Date	May 13, 2021
Instrument	21001561
Record Updated	Dec 28, 2021

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 ELM ST, 333, GRAHAM, TX 76450-2527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 CLIFF DR, GRAHAM, TX 76450-4107

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YOUNG TX
Recording Date	Dec 4, 2018
Property Address	1001 CLIFF DR, GRAHAM, TX 76450-4107
Document Number	0018003567
Map Reference	VOL 207 PG 23
Instrument Date	Dec 4, 2018
Instrument	18003567
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	GUARANTY ABSTRACT COMPANY, GUARANTY ABSTRACT CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2631 J E WOODY RD, SPRINGTOWN, TX 76082-6208

Tax Assessment & Valuation

Source: Young County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Young County
Unified School District	Graham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$19,584.00 (+4.35%) Homeowner's exemption	$1,035,880 (-2.81%) Land $405,000 Building $630,880	$1,035,880 (-2.81%) Land $405,000 Building $630,880
2025	$18,768.00 (+109.65%) Homeowner's exemption	$1,065,780 (+17.11%) Land $427,500 Building $638,280	$1,065,780 (+17.11%) Land $427,500 Building $638,280
2023		$910,050 Land $337,500 Building $572,550	$910,050 Land $337,500 Building $572,550
2022	$8,952.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 10, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 73% of Texas
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brazos Communications Fiber	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
New Source Broadband Fixed Wireless	100 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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