Smith County property record for 102 Elm St, Winona, TX 75792
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 2022 |
| Lot Size | 0.388 acres (16,901 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $247,925 (Jan 2026) |
| Tax Bill | $4,851 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Jan 2026 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R107488 |
| Primary APN | R107488 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,426 sqft Heated Area |
| 1st Floor Area | 1,426 sqft |
| Flooring | Hardwood |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 16,901 sqft (0.388 acres) |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R107488 |
|---|---|
| Street Address | 102 ELM ST |
| City | WINONA |
| State | TX |
| Zip | 75792-4916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KAYWOOD BLOCK 1 LOT 1 |
| Legal Subdivision | KAYWOOD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SMITH TX |
| Township / Civil Division | WINONA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 1502 |
102 Elm St is owned and occupied by two individuals who bought it in January 2026.
Source: Smith County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 ELM ST, WINONA, TX 75792-4916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 9, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE WEST |
| Jan 21, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CMG MORTGAGE INC |
| Jan 21, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CMG MORTGAGE INC |
| Jan 21, 2026 | Vendor's Lien, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on File |
| Deed Sale | Jan 21, 2026 · Amount on File |
| Prior Sale | Dec 16, 2022 |
| Deed Document Number | 20261769 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TX |
| Property Address | 102 ELM ST, WINONA, TX 75792-4916 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | AUSTIN TITLE, ATC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001034849 |
|---|---|
| Date | Sep 9, 2022 |
| Instrument | 202201034849 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | GRAPEVINE, TX 76051 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TX |
| Property Address | 102 ELM ST, WINONA, TX 75792-4916 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | AUSTIN TITLE, ATC |
| Name | Verified Name |
|---|
| Document Number | 0001001771 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 202601001771 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TX |
| Property Address | 102 ELM ST, WINONA, TX 75792-4916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Title Company | AUSTIN TITLE, ATC |
| Name | Verified Name |
|---|
| Document Number | 0001001771 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 202601001771 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | SMITH TX |
| Recording Date | Jan 21, 2026 |
| Property Address | 102 ELM ST, WINONA, TX 75792-4916 |
| Document Number | 0001001769 |
| Map Reference | VOL 7 PG 81 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 202601001769 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | AUSTIN TITLE, ATC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4619 ALLISON DR, BELTON, TX 76513-2295 |
| Document Number | 0001001770 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 202601001770 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2026 property tax bill for 102 Elm St was $4,851 with exemptions applied, up 124.9% from the year before.
Source: Smith County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Smith County |
| Municipality | Winona Town |
| Unified School District | Winona Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,851.00 (+124.9%) Homeowner's exemption Senior Citizen's exemption | $262,703 (+14.05%) Land $51,944 Building $210,759 | $262,703 (+14.05%) Land $51,944 Building $210,759 |
| 2025 | $2,157.00 (-26.33%) Homeowner's exemption Senior Citizen's exemption | $230,345 Land $50,437 Building $179,908 | $230,345 Land $50,437 Building $179,908 |
| 2024 | $2,928.00 (-36.36%) | ||
| 2023 | $4,601.00 (+1,136.83%) Homeowner's exemption | $291,333 Land $25,182 Building $266,151 | $291,333 Land $25,182 Building $266,151 |
| 2022 | $372.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 2, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 102 Elm St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF WINONA serves 1,245 people · EPA ID TX2120026 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Etex Telephone Fiber | 1,000 / 1,000 |
| Optimum Cable | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures