109 Waters St, Lindale, TX 75771 Property Records

Smith County property record for 109 Waters St, Lindale, TX 75771

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,056 sqft · built 1928
Lot Size	0.348 acres (15,159 sqft)
Owner	Individual Name on File
Last Sale	$79,600 (Oct 2021)
Tax Bill	$1,227 (2026)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R031119`

Property Details

APN / Parcel Number

Primary APN	`R031119`
Alternative APN	`1-00000-0948-01-002020`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Flooring	Hardwood

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	15,159 sqft (0.348 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R031119
Street Address	109 WATERS ST
City	LINDALE
State	TX
Zip	75771-3367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABST A0948 J SANDERSTRACT 2B
Legal Subdivision	A0942 S STEPHENS
Legal Tract	2B
Jurisdiction	SMITH TX
Township / Civil Division	LINDALE
Census Block Group	3
Census Block	3014
Census Tract	1407

Owner

109 Waters St is owned and occupied by an individual who bought it in October 2021.

Source: Smith County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	109 WATERS ST, LINDALE, TX 75771-3367
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Nov 5, 2012 · Amount on File
Deed Document Number	20211043115
Prior Transfer Date	Oct 14, 2021
Prior Transfer Doc	0001043115
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SMITH TX
Recording Date	Oct 19, 2021
Property Address	109 WATERS ST, LINDALE, TX 75771-3367
Document Number	0001043115
Map Reference	VOL 716 PG 166
Instrument Date	Oct 14, 2021
Instrument	202101043115
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WATERS ST, LINDALE, TX 75771-3367
Investor	Possibly a Property Investor

Mortgage

Document Number	0001043116
Date	Oct 19, 2021
Instrument	202101043116

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 109 Waters St was $1,227 with exemptions applied, up 0.9% from the year before.

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,227.00 (+0.9%) Homeowner's exemption Senior Citizen's exemption	$184,322 (+17.2%) Land $66,002 Building $118,320	$184,322 (+17.2%) Land $66,002 Building $118,320
2025	$1,216.00 (-16.08%) Homeowner's exemption Senior Citizen's exemption	$157,275 Land $66,002 Building $91,273	$157,275 Land $66,002 Building $91,273
2024	$1,449.00 (-14.61%)
2023	$1,697.00 (-25.5%) Homeowner's exemption	$143,752 Land $21,112 Building $122,640	$143,752 Land $21,112 Building $122,640
2022	$2,278.00

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

Flood

FEMA maps place 109 Waters St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2024

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

Wildfire risk around 109 Waters St 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	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 LINDALE serves 6,313 people · EPA ID TX2120002
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20