109 Cardinal Dr, Palestine, TX 75801 Property Records

Anderson County property record for 109 Cardinal Dr, Palestine, TX 75801

Property Summary

Property Type	Single Family Home
Details	1,995 sqft · built 1963
Lot Size	0.359 acres (15,629 sqft)
Owner	2 Individual Names on File
Last Sale	$119,004 (Oct 2025)
Tax Bill	$4,324 (2026)
Deeds & Mortgages	Feb 2012 Mortgage Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6060-00000-10700`

Property Details

APN / Parcel Number

Primary APN	`6060-00000-10700`
Alternative APNs	`R0031266` `R31266` `31266`

Interior

Building Area	1,995 sqft Total Area
1st Floor Area	1,995 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick Veneer
Lot Area	15,629 sqft (0.359 acres)
Lot Dimensions	159 ft deep x 96 ft wide
Garage Type	Attached
Garage Area	600 sqft
Porch	Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 CARDINAL DR
City	PALESTINE
State	TX
Zip	75801-5809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INWOOD TERRACE LOT 107
Legal Subdivision	INWOOD TERRACE
Legal Lot Number	107
Jurisdiction	ANDERSON TX
Township / Civil Division	PALESTINE
Census Block Group	5
Census Block	5014
Census Tract	950800

Owner

109 Cardinal Dr is owned and occupied by two individuals who bought it in October 2025.

Source: Anderson County records, as of September 23, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	109 CARDINAL DR, PALESTINE, TX 75801-5809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2012	Deed of Trust, Mortgage · Commercial Mortgage PROSPERITY BANK
Oct 31, 2025	Vendor's Lien, Transfer · FHA Mortgage CANOPY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Dec 30, 2005 · Amount on File
Deed Document Number	20257569
Prior Transfer Date	Dec 29, 2005
Prior Transfer Doc	01947/0713
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANDERSON TX
Property Address	109 CARDINAL DR, PALESTINE, TX 75801-5809
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02281/0615
Date	Feb 6, 2012
Book Page	2281/0615
Instrument	201200708

Lender

Name	PROSPERITY BANK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 3, 2027

October 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ANDERSON TX
Recording Date	Oct 31, 2025
Property Address	109 CARDINAL DR, PALESTINE, TX 75801-5809
Document Number	0020257569
Map Reference	ENV 104-A
Instrument Date	Oct 31, 2025
Instrument	2025-7569
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LAWYERS TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	727 GRAHAM RD, COLLEGE STATION, TX 77845-9666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CARDINAL DR, PALESTINE, TX 75801-5809

Mortgage

Document Number	0020257570
Date	Oct 31, 2025
Instrument	2025-7570

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0020257571
Date	Oct 31, 2025
Instrument	2025-7571

Lender

Name	THE BANK OF NEW YORK MELLON TRUST COMPAN
Type	Private Party
Address	4655 SALISBURY RD STE 300, JACKSONVILLE, FL 32256

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 109 Cardinal Dr was $4,324 with a homeowner's exemption, down 9.7% from the year before.

Source: Anderson County assessment roll, as of December 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,324.00 (-9.73%)	$197,354 (-9.73%) Land $14,068 Building $183,286	$197,354 (-9.73%) Land $14,068 Building $183,286
2025	$4,790.00 Homeowner's exemption	$218,621 (-) Land $14,068 Building $204,553	$218,621 (-) Land $14,068 Building $204,553
2024		$218,621 (+14.49%) Land $14,068 Building $204,553	$218,621 (+14.49%) Land $14,068 Building $204,553
2023		$190,959 Land $14,068 Building $176,891	$190,959 Land $14,068 Building $176,891
2022	$4,112.00

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

Flood

FEMA maps place 109 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · 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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 109 Cardinal Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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 PALESTINE serves 31,272 people · EPA ID TX0010001
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024 Turbidity resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Etex Telephone.

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