108 Cates Ln, White Oak, TX 75693 Property Records

Gregg County property record for 108 Cates Ln, White Oak, TX 75693

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,325 sqft · built 1991
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Tax Bill	$4,095 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R12580`

Property Details

APN / Parcel Number

Primary APN	`R12580`
Alternative APNs	`0069003801-049-00-01` `12580`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,325 sqft Living Area
1st Floor Area	1,325 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick Veneer
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	216 sqft
Patio Area	216 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12580
Street Address	108 CATES LN
City	WHITE OAK
State	TX
Zip	75693-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 38 W H CASTLEBERRY SUR TR 49 SEC 1 (LT 25 WHITE OAK ESTATES)
Legal Subdivision	CASTLEBERRY W H SUR
Legal Tract	49
Legal Block	1
Legal Lot Number	25
Jurisdiction	GREGG TX
Township / Civil Division	GLADEWATER
Census Block Group	3
Census Block	3036
Census Tract	10202

Owner

Source: Gregg County records · APN R12580

Assessment roll updated October 28, 2025 · Last verified June 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 File
Mailing Address	108 CATES LN, WHITE OAK, TX 75693-2514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREGG TX
Recording Date	Jun 02, 2026
Property Address	108 CATES LN, WHITE OAK, TX 75693-2514
Document Number	0000007738
Instrument Date	Jun 02, 2026
Instrument	20267738
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CATES LN, WHITE OAK, TX 75693-2514

Mortgage

Document Number	0000007738,
Date	Jun 02, 2026
Instrument	20267738

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	150 Months
Due	Dec 01, 2038

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Gregg County records · Assessment roll updated October 28, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Texas
County	Gregg County
Municipality	White Oak City
Unified School District	White Oak Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,095.00 (+133.73%) Homeowner's exemption	$200,520 (+10.6%) Land $4,920 Building $195,600	$200,520 (+10.6%) Land $4,920 Building $195,600
2024	$1,752.00 (-18.28%)
2023	$2,144.00 Homeowner's exemption	$181,310 Land $4,830 Building $176,480	$181,310 Land $4,830 Building $176,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 16, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cable One, Frontier.

Based on FCC filings for 53 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF WHITE OAK serves 6,469 people
Water Source	Surface water
Last State Inspection	Nov 2022
Lead	Under 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	4 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.