110 Oyster Bay, Graford, TX 76449 Property Records

Palo Pinto County property record for 110 Oyster Bay, Graford, TX 76449

Property Summary

Property Type	Single Family Home
Details	3,618 sqft · built 1998
Lot Size	0.244 acres (10,629 sqft)
Owner	Individual Name on File
Tax Bill	$9,507 (2024)
Deeds & Mortgages	Mar 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R000013181`

Property Details

APN / Parcel Number

Primary APN	`R000013181`
Alternative APN	`110251460`

Interior

Building Area	3,618 sqft Living Area
Gross Area	4,317 sqft
2nd Floor Area	948 sqft
Upper Floors Area	948 sqft

Exterior

Year Built	Built 1998
Lot Area	10,629 sqft (0.244 acres)
Garage Type	Attached
Garage Area	699 sqft
Pool Area	1 sqft
Porch	Porch
Porch Area	121 sqft

Location & Zoning

Account Number	R000013181
Old Parcel Number	R000013181
Street Address	110 OYSTER BAY
City	GRAFORD
State	TX
Zip	76449-5104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLIFFS PHASE VII LOT 11 G#C0250-07-00000-011-00-0
Legal Subdivision	CLIFFS PHASE VII
Legal Phase	7
Legal Lot Number	11
Jurisdiction	PALO PINTO TX
Township / Civil Division	STRAWN-GORDON
Census Block Group	2
Census Block	2004
Census Tract	200

Owner

Source: Palo Pinto County assessment roll, as of September 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	110 OYSTER BAY, GRAFORD, TX 76449-5104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 9, 2012
Deed Sale	Oct 9, 2012
Deed Document Number	2012-00006099
Deed Book / Page	1983 / 0216
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO PINTO TX
Property Address	110 OYSTER BAY, GRAFORD, TX 76449-5104
Transaction Type	Mortgage
Record Updated	Apr 18, 2022
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 OYSTER BAY, GRAFORD, TX 76449-5104

Mortgage

Document Number	002435/885
Date	Mar 21, 2022
Book Page	2435/885
Instrument	2022-00002054

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Palo Pinto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Palo Pinto County
Unified School District	Palo Pinto Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,096,230 (+14.43%) Land $281,670 Building $814,560	$1,096,230 (+14.43%) Land $281,670 Building $814,560
2024	$9,507.00 (+3.84%)
2023	$9,155.00 (-10.04%) Homeowner's exemption Senior Citizen's exemption	$958,020 Land $281,670 Building $676,350	$958,020 Land $281,670 Building $676,350
2022	$10,177.00

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 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, 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	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	THE CLIFFS private · serves 1,115 people · EPA ID TX1820061
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.86 mg/L (2020) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2025 Treatment failure resolved · Jan 2024 Total trihalomethanes resolved · Jan 2024
Treatment and Procedure	Corrosion control Apr 2018 Lead public education Dec 2017
Monitoring and Reporting	24 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AMG Technology Investment Group Fixed Wireless	300 / 75
New Source Broadband I Fixed Wireless	100 / 50

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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