Hopkins County property record for 108 Smith St, Cumby, TX 75433
| Property Type | Single Family Home |
|---|---|
| Details | 1,456 sqft · built 1980 |
| Lot Size | 0.328 acres (14,288 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Jul 2022) |
| Tax Bill | $3,596 (2025) |
| Deeds & Mortgages | Jul 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 20.0002.000.001 |
| Primary APN | 20.0002.000.001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 14,288 sqft (0.328 acres) |
| Lot Dimensions | 172 ft deep x 83 ft wide |
| Porch | Covered Porch |
| Porch Area | 140 sqft |
| Account Number | 20.0002.000.001 |
|---|---|
| Street Address | 108 SMITH ST |
| City | CUMBY |
| State | TX |
| Zip | 75433-2008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACRES: 0.328 LOT: 1A BLK: 2 TOWN: CUMBY 83X172 |
| Legal Block | 2 |
| Legal Lot Number | 1A |
| Jurisdiction | HOPKINS TX |
| Township / Civil Division | CUMBY |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 950200 |
108 Smith St is owned and occupied by an individual who bought it in July 2022.
Source: Hopkins County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 SMITH ST, CUMBY, TX 75433-2008 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on File |
| Deed Sale | Jul 29, 2022 · Amount on File |
| Deed Document Number | 20224443 |
| Prior Transfer Date | Apr 28, 2008 |
| Prior Transfer Doc | 0000003696 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOPKINS TX |
| Property Address | 108 SMITH ST, CUMBY, TX 75433-2008 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1451FM 1903, GREENVILLE, TX 75402-5112 |
| Document Number | 0020224444 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 20224444 |
| Name | CYPRESS BANK SSB |
|---|---|
| Type | Bank |
| Address | PITTSBURG, TX 75686 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 10.6% |
The 2025 property tax bill for 108 Smith St was $3,596.
Source: Hopkins County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Cumby City |
| County | Hopkins County |
| Unified School District | Cumby Collegiate Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,640 (-2.24%) Land $28,580 Building $132,060 | $160,640 (-2.24%) Land $28,580 Building $132,060 | |
| 2025 | $3,596.00 | $164,320 Land $28,580 Building $135,740 | $164,320 Land $28,580 Building $135,740 |
| 2023 | $97,030 Land $5,000 Building $92,030 | $97,030 Land $5,000 Building $92,030 | |
| 2021 | $1,501.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Smith St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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 | 1 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 risk around 108 Smith St is moderate, ranking above 46% of the US, with a 0.07% annual chance of 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 | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CUMBY serves 685 people · EPA ID TX1120001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 20 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.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumby Telephone Cooperative Fiber | 1,000 / 200 |
| Peoples Communications Fixed Wireless | 500 / 60 |
May also be available: 360 Broadband, Nextlink.
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