106 W Cunningham St, Bonham, TX 75418 Property Records

Fannin County property record for 106 W Cunningham St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,444 sqft · built 1962
Lot Size	0.232 acres (10,123 sqft)
Owner	Individual Name on File
Tax Bill	$2,063 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9320-004-0030-05`

Property Details

APN / Parcel Number

Primary APN	`9320-004-0030-05`
Alternative APN	`90909`

Interior

Full Baths	2 Baths
Building Area	1,444 sqft Living Area
1st Floor Area	1,444 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1962
Exterior Material	Brick
Construction Type	Wood Frame
Lot Area	10,123 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Porch
Porch Area	303 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	9320-004-0030-05
Old Parcel Number	90909
Street Address	106 W CUNNINGHAM ST
City	BONHAM
State	TX
Zip	75418-2427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELAIR ADDN, BLOCK 4, LOT 3, LIFE ESTATE
Legal Subdivision	BELAIR ADD
Legal Block	4
Legal Lot Number	3
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	4
Census Block	4015
Census Tract	950402

Owner

106 W Cunningham St is owned and occupied by an individual who acquired it in March 2019.

Source: Fannin County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	106 W CUNNINGHAM ST, BONHAM, TX 75418-2427
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Vendor's Lien, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Dec 10, 2018	Vendor's Lien, Transfer · Stand-Alone First Mortgage LUCKY LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019
Deed Sale	Mar 29, 2019
Prior Sale	Dec 10, 2018
Deed Document Number	2019-1818
Deed Book / Page	2121 / 0187
Record Updated	Jun 8, 2026

March 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Mar 29, 2019
Property Address	106 W CUNNINGHAM ST, BONHAM, TX 75418-2427
Document Number	2121/0187
Book / Page	2121 / 0187
Map Reference	VOL 404 PG 337
Instrument Date	Mar 28, 2019
Instrument	2019-1818
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4108 VALLEY RIDGE LN, 4108, MC KINNEY, TX 75071-5068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 W CUNNINGHAM ST, BONHAM, TX 75418-2427

Mortgage

Document Number	20191819
Date	Mar 29, 2019
Instrument	2019-1819

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

December 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Dec 10, 2018
Property Address	106 W CUNNINGHAM ST, BONHAM, TX 75418-2427
Document Number	2094/0275
Book / Page	2094 / 0275
Map Reference	VOL 404 PG 337
Instrument Date	Nov 9, 2018
Instrument	2018-7148
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 FRANKLIN AVE, 1909, BONHAM, TX 75418-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 VALLEY RIDGE LN, MC KINNEY, TX 75071-5068

Mortgage

Document Number	20187149
Date	Dec 10, 2018
Instrument	2018-7149

Lender

Name	LUCKY LENDING LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bonham City
County	Fannin County
Unified School District	Bonham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$168,770 Land $37,870 Building $130,900	$168,770 Land $37,870 Building $130,900
2024	$2,063.00
2023		$167,720 Land $30,380 Building $137,340	$167,720 Land $30,380 Building $137,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 106 W Cunningham St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 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
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

Wildfire risk around 106 W Cunningham St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 BONHAM serves 10,746 people · EPA ID TX0740001
Water Source	Purchased surface water from NORTH TEXAS MWD - BONHAM WTP
Last State Inspection	Mar 2024
Lead	Under 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	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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50

May also be available: Nextlink, Verizon.

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