104 Live Oak Cir, Bertram, TX 78605 Property Records

Burnet County property record for 104 Live Oak Cir, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	1,411 sqft · built 2007
Lot Size	0.211 acres (9,198 sqft)
Owner	Individual Name on Record
Last Sale	$236,015 (Sep 2025)
Tax Bill	$3,822 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03925-0300-00009-000`

Property Details

APN / Parcel Number

Primary APN	`03925-0300-00009-000`
Alternative APN	`73194`

Interior

Stories	1 Story
Building Area	1,411 sqft Living Area
1st Floor Area	1,411 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	9,198 sqft (0.211 acres)

Exterior Amenities

Porch	Porch
Porch Area	85 sqft
Patio Area	240 sqft
Storage Building	80 sqft

Location & Zoning

Street Address	104 LIVE OAK CIR
City	BERTRAM
State	TX
Zip	78605-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3925 COUNTRYSIDE OAKS LOT 9, SEC 3
Legal Subdivision	COUNTRYSIDE OAKS
Legal Block	1
Legal Lot Number	9
Jurisdiction	BURNET TX
Township / Civil Division	BERTRAM
Census Block Group	1
Census Block	1022
Census Tract	960102

Owner

Source: Burnet County records, as of October 19, 2026

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	104 LIVE OAK CIR, BERTRAM, TX 78605-4544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 5, 2023	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Aug 19, 2022	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Aug 8, 2017	Deed, Transfer · FHA Mortgage MORTGAGE FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	May 28, 2025 · Amount on Record
Deed Document Number	20258840
Prior Transfer Date	May 6, 2025
Prior Transfer Doc	0202505166
Record Updated	Oct 29, 2026

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Sep 3, 2025
Property Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544
Document Number	0202508840
Map Reference	CAB 3 SL 190A
Instrument Date	Aug 29, 2025
Instrument	202508840
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1101 W 34TH ST, AUSTIN, TX 78705-1907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544

Mortgage

Document Number	0202508841
Date	Sep 3, 2025
Instrument	202508841

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544
Transaction Type	Mortgage
Record Updated	Oct 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544

Mortgage

Document Number	0202310116
Date	Oct 5, 2023
Instrument	202310116

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jul 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544

Mortgage

Document Number	0202212294
Date	Aug 19, 2022
Instrument	202212294

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2052

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BURNET TX
Recording Date	Aug 8, 2017
Property Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544
Document Number	0201707800
Map Reference	CAB 3 SL 190A
Instrument Date	Aug 7, 2017
Instrument	201707800
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3516 11 FM 1174, 3516 11, BERTRAM, TX 78605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LIVE OAK CIR, BERTRAM, TX 78605-4544

Mortgage

Document Number	0201707801
Date	Aug 8, 2017
Instrument	201707801

Lender

Name	MORTGAGE FINANCIAL SERVICES

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Municipality	Bertram City
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$288,094 (-) Land $25,000 Building $263,094	$288,094 (-) Land $25,000 Building $263,094
2025	$3,822.00 (-6.67%) Homeowner's exemption	$288,094 (-0.35%) Land $25,000 Building $263,094	$288,094 (-0.35%) Land $25,000 Building $263,094
2024	$4,095.00 (+12.28%)
2023	$3,647.00 Homeowner's exemption	$289,111 Land $25,000 Building $264,111	$289,111 Land $25,000 Building $264,111

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 October 8, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2025 · Severe Storms, Straight-line Winds, And Flooding

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 65% of the US · above 51% of Texas
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Water System	CITY OF BERTRAM serves 3,636 people · EPA ID TX0270012
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Heritage Broadband Fixed Wireless	1,000 / 100
Rise Broadband Fixed Wireless	500 / 100
SOS Communications Fixed Wireless	100 / 20

May also be available: Western Broadband.

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