104 Whitewater Dr, Bertram, TX 78605 Property Records

Burnet County property record for 104 Whitewater Dr, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	3,474 sqft · built 2023
Lot Size	4.39 acres (191,228 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jun 2021)
Tax Bill	$11,456 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08530030000370A00`

Property Details

APN / Parcel Number

Primary APN	`08530030000370A00`
Alternative APNs	`08530030000370000` `64986`

Interior

Stories	1 Story
Building Area	3,474 sqft Living Area
Gross Area	4,398 sqft
1st Floor Area	2,495 sqft

Exterior

Lot Area	191,228 sqft (4.39 acres)
Garage Type	Attached
Garage Area	924 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Deck Area	40 sqft

Location & Zoning

Street Address	104 WHITEWATER DR
City	BERTRAM
State	TX
Zip	78605-4679
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S8530 WHITEWATER SPRINGS LOT 370-A 4.39 SEC 3
Legal Subdivision	WHITEWATER SPRINGS
Legal Block	2
Legal Lot Number	370-A
Jurisdiction	BURNET TX
Township / Civil Division	BURNET
Census Block Group	2
Census Block	2074
Census Tract	960402

Owner

Source: Burnet County records, as of June 16, 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	104 WHITEWATER DR, BERTRAM, TX 78605-4679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jun 10, 2021	Vendor's Lien, Transfer · Commercial Mortgage EAGLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	20219748
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Recording Date	Jun 11, 2026
Property Address	104 WHITEWATER DR, BERTRAM, TX 78605-4679
Document Number	0000006141
Instrument Date	Jun 11, 2026
Instrument	20266141
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 WHITEWATER DR, BERTRAM, TX 78605-4679

Mortgage

Document Number	0000006141,
Date	Jun 11, 2026
Instrument	20266141

Lender

Name	LOWER LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Jun 10, 2021
Property Address	104 WHITEWATER DR, BERTRAM, TX 78605-4679
Document Number	0202109748
Map Reference	FILE 201711782
Instrument Date	Jun 8, 2021
Instrument	202109748
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	HIGHLAND LAKES TITLE-BURNET, HIGHLAND LAKES TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 S MO PAC EXPY STE EXPY2, 901, AUSTIN, TX 78746-5933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8387 ANGELO LOOP, ROUND ROCK, TX 78665-4512

Mortgage

Document Number	0202109749
Date	Jun 10, 2021
Instrument	202109749

Lender

Name	EAGLE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 8, 2046

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of May 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,456.00 (+313.72%) Homeowner's exemption	$968,639 (+1,014.38%) Land $166,147 Building $802,492	$968,639 (+1,014.38%) Land $166,147 Building $802,492
2024	$2,769.00 (+138.91%)
2023	$1,159.00	$86,922 Land $86,922	$86,922 Land $86,922

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
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	High above 72% of the US · above 63% of Texas
Wildfire Likelihood	0.3% 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	WHITEWATER SPRINGS WATER SYSTEM private · serves 450 people · EPA ID TX0270124
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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