10220 FM 2970, Athens, TX 75751 Property Records

Henderson County property record for 10220 FM 2970, Athens, TX 75751

Property Summary

Property Type	Rural Home
Details	2 ba · 1,496 sqft · built 1970
Lot Size	7.92 acres (344,995 sqft)
Owner	Individual Name on Record
Tax Bill	$4,147 (2023)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0299-0060-0000-20`

Property Details

APN / Parcel Number

Primary APN	`0299-0060-0000-20`
Alternative APNs	`R000009374` `216823`

Interior

Full Baths	2 Baths
Building Area	1,496 sqft Living Area
1st Floor Area	1,088 sqft
2nd Floor Area	408 sqft

Exterior

Year Built	Built 1970
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	344,995 sqft (7.92 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	288 sqft
Patio Area	96 sqft
Storage Building	96 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000009374
Old Parcel Number	0299.0060.0000.20
Street Address	10220 FM 2970
City	ATHENS
State	TX
Zip	75751-8679
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TR 6 AB 299 J HANNA SUR, TR 6
Legal Subdivision	AB 0299 J HANNA SUR
Legal Tract	6
Jurisdiction	HENDERSON TX
Township / Civil Division	ATHENS
Census Block Group	3
Census Block	3020
Census Tract	950400

Owner

Source: Henderson County records, as of April 1, 2024

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

Owner of Record	Individual Name on Record
Mailing Address	10220 FM 2970, ATHENS, TX 75751-8679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK
Dec 14, 2022	Vendor's Lien, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2022
Deed Sale	Dec 14, 2022
Deed Document Number	2022-00022323
Record Updated	Jun 7, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	10220 FM 2970, ATHENS, TX 75751-8679
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	NOT AVAILABLE, ATTORNEYS TITLE COMPANY OF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300001122
Date	Jan 25, 2023
Instrument	2023-00001122

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Address	HENDERSON, TX 75652

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	5 Years
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	5-Year CMT
Margin	3
Max Rate	13.1%

December 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Dec 14, 2022
Property Address	10220 FM 2970, ATHENS, TX 75751-8679
Document Number	202200022323
Map Reference	VOL 706 PG 105
Instrument Date	Dec 13, 2022
Instrument	2022-00022323
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	NOT AVAILABLE, ATTORNEYS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5026 COUNTY ROAD 1503, ATHENS, TX 75751-5635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10220 FM 2970, ATHENS, TX 75751-8679

Mortgage

Document Number	202200022324
Date	Dec 14, 2022
Instrument	2022-00022324

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	5 Years
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	5-Year CMT
Margin	3
Max Rate	13.1%

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 25, 2023

Property Jurisdictions

Type	Name
State	Texas
County	Henderson County
Unified School District	Cross Roads Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,147.00 (-2.1%)	$360,636 Land $96,315 Building $264,321	$360,636 Land $96,315 Building $264,321
2022	$4,236.00

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 April 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 55% of the US · lower than 66% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CRESCENT HEIGHTS WSC serves 2,379 people · EPA ID TX1070016
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

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