1038 White Bluff Dr, Whitney, TX 76692 Property Records

Hill County property record for 1038 White Bluff Dr, Whitney, TX 76692

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,812 sqft · built 2005
Lot Size	1.97 acres (86,075 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,082 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19523-05500-00000-038000`

Property Details

APN / Parcel Number

Primary APN	`19523-05500-00000-038000`
Alternative APN	`138296`

Interior

Full Baths	3 Baths
Building Area	2,812 sqft Living Area
Gross Area	4,825 sqft
1st Floor Area	2,812 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Hip
Lot Area	86,075 sqft (1.97 acres)
Lot Dimensions	446 ft deep x 193 ft wide
Garage Type	Attached
Garage Area	508 sqft
Porch	Porch
Porch Area	829 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19523-05500-00000-038000
Street Address	1038 WHITE BLUFF DR
City	WHITNEY
State	TX
Zip	76692-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE BLUFF #1 LT 38 (1-3)
Legal Subdivision	WHITE BLUFF SUBDIVISION
Legal Block	1
Legal Lot Number	38
Jurisdiction	HILL TX
Township / Civil Division	BLUM
Census Block Group	4
Census Block	4051
Census Tract	960200

Owner

Source: Hill County records, as of September 23, 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	1038 WHITE BLUFF DR, WHITNEY, TX 76692-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK
Aug 26, 2021	Warranty Deed, Transfer MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC
Apr 2, 2019	Vendor's Lien, Transfer · Conventional Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021
Deed Sale	Aug 26, 2021
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	2021125989
Deed Book / Page	2130 / 135
Prior Transfer Date	Mar 29, 2019
Prior Transfer Doc	001996/717
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	1038 WHITE BLUFF DR, WHITNEY, TX 76692-2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002065/594
Date	Aug 31, 2020
Book Page	2065/594
Instrument	114898

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILL TX
Recording Date	Aug 26, 2021
Property Address	1038 WHITE BLUFF DR, WHITNEY, TX 76692-2020
Document Number	002130/135
Book / Page	2130 / 135
Map Reference	SL 136-B
Instrument Date	Feb 5, 2021
Instrument	125989
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3116 ROCKY MOUNTAIN DR, PLANO, TX 75025-4231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5607 WESTOVER DRIVE, GRANBURY, TX 76409
Investor	Possibly a Property Investor

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Apr 2, 2019
Property Address	1038 WHITE BLUFF DR, WHITNEY, TX 76692-2020
Document Number	001996/717
Book / Page	1996 / 717
Map Reference	VOL 1072 PG 834
Instrument Date	Mar 29, 2019
Instrument	00103769
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12023 TRAILWOOD DR, WHITNEY, TX 76692-5517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8901 DEWLAND DR, MC KINNEY, TX 75070-6495

Mortgage

Document Number	0000103770
Date	Apr 2, 2019
Instrument	00103770

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Hill County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Hill County
Unified School District	Whitney Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,082.00 (+269.85%)	$651,580 (+1.72%) Land $48,360 Building $603,220	$651,580 (+1.72%) Land $48,360 Building $603,220
2025	$2,726.00 (+2.56%) Homeowner's exemption Senior Citizen's exemption	$640,560 (+10.89%) Land $48,360 Building $592,200	$640,560 (+10.89%) Land $48,360 Building $592,200
2023		$577,640 Land $48,360 Building $529,280	$577,640 Land $48,360 Building $529,280
2022	$2,658.00

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 September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	500 / 100
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Verizon.

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