109 E Main St, Cumby, TX 75433 Property Records

Hopkins County property record for 109 E Main St, Cumby, TX 75433

Property Summary

Property Type	Single Family Home
Details	5,072 sqft · built 1973
Lot Size	1 acres (43,734 sqft)
Owner	Individual Name on Record
Last Sale	$156,200 (Jul 2016)
Tax Bill	$4,511 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20.0001.000.004`

Property Details

APN / Parcel Number

Primary APN	`20.0001.000.004`
Alternative APNs	`20.0001.000.004.00` `R000000504`

Interior

Stories	1 Story
Building Area	3,196 sqft Living Area
1st Floor Area	3,196 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	43,734 sqft
Garage Area	616 sqft
Porch	Porch
Porch Area	72 sqft

Location & Zoning

Account Number	20.0001.000.004
Street Address	109 E MAIN ST
City	CUMBY
State	TX
Zip	75433-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 1.004 LOT: 4 BLK: 1 TOWN: CUMBY 139X133X128X91X256X235
Legal Subdivision	M W MATTHEWS SURVEY ABSTRACT NO 667
Legal Block	1
Legal Lot Number	4
Jurisdiction	HOPKINS TX
Township / Civil Division	CUMBY
Census Block Group	4
Census Block	4007
Census Tract	950200

Owner

Source: Hopkins County records, as of September 22, 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 Record
Mailing Address	109 E MAIN ST, CUMBY, TX 75433-2312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2017	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2016 · Amount on Record
Deed Sale	Jul 5, 2016 · Amount on Record
Prior Sale	Apr 18, 2005 · Amount on Record
Deed Document Number	20163177
Prior Transfer Date	Jun 30, 2016
Prior Transfer Doc	20163177
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS TX
Property Address	109 E MAIN ST, CUMBY, TX 75433-2312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20171481
Date	Mar 23, 2017
Instrument	2017-1481

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOPKINS TX
Property Address	109 E MAIN ST, CUMBY, TX 75433-2312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20203518
Date	Jul 15, 2020
Instrument	20203518

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Hopkins County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cumby City
County	Hopkins County
Unified School District	Cumby Collegiate Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$226,730 (-11.14%)	$255,160 (-) Land $32,530 Building $222,630
2025	$4,511.00 (+14.49%) Homeowner's exemption	$255,160 (+37.96%) Land $32,530 Building $222,630	$255,160 (+37.96%) Land $32,530 Building $222,630
2023		$184,950 Land $22,090 Building $162,860	$184,950 Land $22,090 Building $162,860
2021	$3,940.00

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 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.04% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumby Telephone Cooperative Fiber	1,000 / 200

May also be available: Nextlink, Peoples Communications.

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