109 Howard St, Terrell, TX 75160 Property Records

Kaufman County property record for 109 Howard St, Terrell, TX 75160

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,394 sqft · built 1975
Lot Size	0.12 acres (5,249 sqft)
Owner	Individual on Record
Tax Bill	$3,376 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S1050001400`

Property Details

APN / Parcel Number

Primary APN	`S1050001400`
Alternative APNs	`00.1050.0001.0006.00.06.06` `R23260`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,394 sqft Living Area
1st Floor Area	1,394 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	5,249 sqft (0.12 acres)
Lot Depth	105 ft Depth
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R23260
Old Parcel Number	S1050001400
Street Address	109 HOWARD ST
City	TERRELL
State	TX
Zip	75160-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRVIEW, BLOCK A, LOT 6A; & HOUSE & HOUSE
Legal Subdivision	FAIRVIEW
Legal Block	A
Legal Lot Number	6A
Jurisdiction	KAUFMAN TX
Township / Civil Division	TERRELL
Census Block Group	2
Census Block	2027
Census Tract	50402

Owner

Source: Kaufman County assessment roll, as of August 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	109 HOWARD ST, TERRELL, TX 75160-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2019	Vendor's Lien, Transfer · FHA Mortgage SFMC LP
Jul 16, 2019	Grant Deed, Transfer LORI L SCOTT
Feb 12, 2019	Loan Modification, Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2019
Deed Sale	Oct 31, 2019
Prior Sale	Jul 16, 2019
Deed Document Number	2019-0027292
Deed Book / Page	6191 / 018
Record Updated	Jun 8, 2026

October 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Oct 31, 2019
Property Address	109 HOWARD ST, TERRELL, TX 75160-2104
Document Number	0061910018
Book / Page	6191 / 018
Map Reference	CAB 1 ENV 61
Instrument Date	Oct 14, 2019
Instrument	2019-0027292
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	RANGER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 GANTT ST, 122, TERRELL, TX 75160-1713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWARD ST, TERRELL, TX 75160-2104

Mortgage

Document Number	20190027293
Date	Oct 31, 2019
Instrument	2019-0027293

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KAUFMAN TX
Recording Date	Jul 16, 2019
Property Address	109 HOWARD ST, TERRELL, TX 75160-2104
Document Number	0060720534
Book / Page	006072 / 000534
Instrument Date	Jun 25, 2019
Instrument	16506
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWARD ST TERRELL TX 751602104, TERRELL, TX 75160-2104

Mortgage

Document Number	60720538
Date	Jul 16, 2019
Book Page	006072/000538
Instrument	16507

Lender

Name	LORI L SCOTT
Address	3717 HIGHWAY 108 W, SULPHUR, LA 70665-8460
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KAUFMAN TX
Property Address	109 HOWARD ST, TERRELL, TX 75160-2104
Document Number	0059740548
Instrument Date	Feb 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWARD ST TERRELL TX 751602104, TERRELL, TX 75160-2104

Mortgage

Document Number	0059740548
Date	Apr 4, 2019
Book Page	005974/000548
Instrument	7333

Lender

Name	DITECH FIN'L

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Apr 3, 2059

Interest

Rate	7.62%

Tax Assessment & Valuation

Source: Kaufman County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$206,035 (-11.98%) Land $36,908 Building $169,127	$206,035 (-11.98%) Land $36,908 Building $169,127
2024	$3,376.00 (+15.22%)
2023	$2,930.00 (-17.26%) Homeowner's exemption	$234,074 Land $22,313 Building $211,761	$234,074 Land $22,313 Building $211,761
2022	$3,541.00

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 October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.02% 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 TERRELL serves 18,432 people · EPA ID TX1290006
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Sep 2024
Lead	2 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	3 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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: Element8, Nextlink.

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