109 Live Oak Cir, Bertram, TX 78605 Property Records

Burnet County property record for 109 Live Oak Cir, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	1,475 sqft · built 2006
Lot Size	0.207 acres (9,020 sqft)
Owner	Individual Name on Record
Last Sale	$151,300 (Sep 2019)
Tax Bill	$4,988 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03925-0300-00006-000`

Property Details

APN / Parcel Number

Primary APN	`03925-0300-00006-000`
Alternative APN	`73191`

Interior

Stories	1 Story
Building Area	1,475 sqft Living Area
1st Floor Area	719 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Roof Type	Gable
Lot Area	9,020 sqft (0.207 acres)
Porch	Porch
Porch Area	55 sqft
Storage Building	160 sqft

Location & Zoning

Street Address	109 LIVE OAK CIR
City	BERTRAM
State	TX
Zip	78605-4478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3925 COUNTRYSIDE OAKS LOT 6, SEC 3
Legal Subdivision	COUNTRYSIDE OAKS
Legal Block	1
Legal Lot Number	6
Jurisdiction	BURNET TX
Township / Civil Division	BERTRAM
Census Block Group	1
Census Block	1022
Census Tract	960102

Owner

Source: Burnet County records, as of September 9, 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 LIVE OAK CIR, BERTRAM, TX 78605-4478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2019	Deed of Trust, Mortgage · FHA Mortgage THRIVE MORTGAGE LLC
Sep 4, 2019	Vendor's Lien, Transfer · FHA Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Mar 18, 2013 · Amount on Record
Deed Document Number	20199354
Prior Transfer Date	Jul 13, 2006
Prior Transfer Doc	0200808621
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	109 LIVE OAK CIR, BERTRAM, TX 78605-4478
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201909489
Date	Sep 6, 2019
Instrument	201909489

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

September 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Sep 4, 2019
Property Address	109 LIVE OAK CIR, BERTRAM, TX 78605-4478
Document Number	0201909354
Map Reference	CAB 3 SL 190A
Instrument Date	Aug 30, 2019
Instrument	201909354
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LIVE OAK CIR, BERTRAM, TX 78605-4478

Mortgage

Document Number	0201909355
Date	Sep 4, 2019
Instrument	201909355

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Municipality	Bertram City
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$290,448 (-1.15%) Land $25,000 Building $265,448	$290,448 (-1.15%) Land $25,000 Building $265,448
2025	$4,988.00 (-4.97%)	$293,832 (+6.5%) Land $25,000 Building $268,832	$293,832 (+6.5%) Land $25,000 Building $268,832
2024	$5,249.00 (+6.36%)
2023	$4,935.00	$275,909 Land $25,000 Building $250,909	$275,909 Land $25,000 Building $250,909

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 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2025 · Severe Storms, Straight-line Winds, And Flooding

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	Moderate above 65% of the US · above 51% of Texas
Wildfire Likelihood	0.2% 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 BERTRAM serves 3,636 people · EPA ID TX0270012
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	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	1 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Heritage Broadband Fixed Wireless	1,000 / 100
Rise Broadband Fixed Wireless	500 / 100
SOS Communications Fixed Wireless	100 / 20

May also be available: Western Broadband.

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