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109 W Davis St, Howe, TX 75459 Property Records

Grayson County property record for 109 W Davis St, Howe, TX 75459

Property Summary

Property TypeSingle Family Home
Details1,654 sqft · built 1944
Lot Size0.35 acres (15,246 sqft)
OwnerIndividual Name on File
Tax Bill$2,298 (2024)
Deeds & MortgagesJan 2021 Mortgage
Apr 2019 Mortgage
Flood ZoneZone X (minimal risk)
APNH003 054401904

Property Details

APN / Parcel Number

Primary APNH003 054401904
Alternative APN
  • 152300

Interior

Building Area1,654 sqft Living Area
Gross Area2,014 sqft
1st Floor Area1,654 sqft
Utility Area99 sqft
Utility RoomUtility Room

Exterior

Year BuiltBuilt 1944
Effective Year BuiltEffective 1980
Lot Area15,246 sqft (0.35 acres)
Garage TypeMixed
Garage Area360 sqft
CarportCarport
Carport Area200 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area286 sqft

Location & Zoning

Account Number152300
Old Parcel NumberH003 054401904
Street Address109 W DAVIS ST
CityHOWE
StateTX
Zip75459-4709
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionG-0544 HAINING J A-G0544, ACRES .35
Legal SubdivisionHAINING J A-G0544
JurisdictionGRAYSON TX
Township / Civil DivisionEAST GRAYSON
Census Block Group3
Census Block3005
Census Tract1801

Owner

Source: Grayson 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 RecordIndividual Name on File
Mailing Address109 W DAVIS ST, HOWE, TX 75459-4709
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2021Warranty Deed, Transfer
SPOT ON INVESTMENTS LLC
Apr 8, 2019Vendor's Lien, Transfer · Conventional Mortgage
CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 26, 2019
Deed SaleJul 26, 2019
Deed Document Number541
Prior Transfer DateApr 8, 2019
Prior Transfer Doc2019-00007382
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGRAYSON TX
Recording DateJan 25, 2021
Property Address109 W DAVIS ST, HOWE, TX 75459-4709
Document Number0000002392
Instrument DateJan 22, 2021
Instrument2392
Transaction TypeTransfer
Record UpdatedFeb 16, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address10804 SEXTON DR MCKINNEY TX 750723306, MCKINNEY, TX 75072-3306

Mortgage

Document Number2393
DateJan 25, 2021
Instrument2393
Lender
NameSPOT ON INVESTMENTS LLC
Address16612 MORGAN HILL TRL, AUSTIN, TX 78717-2986
Agreement
AmountAmount Recorded

April 2019: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionGRAYSON TX
Recording DateApr 8, 2019
Property Address109 W DAVIS ST, HOWE, TX 75459-4709
Document Number0000007382
Instrument DateApr 5, 2019
Instrument2019-00007382
Transaction TypeTransfer
Record UpdatedOct 14, 2021
Title CompanyRED RIVER TITLE CO

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1107 REED CIR, 1107, HOWE, TX 75459-2859

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 W DAVIS ST, HOWE, TX 75459-4709

Mortgage

Document Number0000007383
DateApr 8, 2019
Instrument2019-00007383
Lender
NameCERTAINTY HOME LOANS LLC
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
CountyGrayson County
MunicipalityHowe Town
Unified School DistrictHowe Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$189,090 (-15.84%) Land $75,773 Building $141,777$217,550 (-3.18%) Land $75,773 Building $141,777
2024$2,298.00 (-10.93%)
2023$224,688 Land $71,504 Building $153,184$224,688 Land $71,504 Building $153,184
2022$2,580.00

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 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims5 (2007–2025)
Claims Outside the SFHA5 of 5
Most Recent ClaimJun 2025 · 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

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

Wildfire RiskLow
lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF HOWE
serves 4,548 people · EPA ID TX0910013
Water SourcePurchased surface water from several systems
Last State InspectionFeb 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 217 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cable One
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
Texoma Communications
Fixed Wireless		100 / 20

May also be available: AMG Technology Investment Group, ElektraFi.

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