1120 Cedar St, Bonham, TX 75418 Property Records

Fannin County property record for 1120 Cedar St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,911 sqft · built 1950
Lot Size	0.297 acres (12,959 sqft)
Owner	Individual Name on Record
Tax Bill	$1,597 (2024)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9475-006-0021-05`

Property Details

APN / Parcel Number

Primary APN	`9475-006-0021-05`
Alternative APN	`91859`

Interior

Full Baths	2 Baths
Building Area	1,911 sqft Living Area
1st Floor Area	1,911 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	12,959 sqft (0.297 acres)
Lot Dimensions	162 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	520 sqft
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9475-006-0021-05
Old Parcel Number	91859
Street Address	1120 CEDAR ST
City	BONHAM
State	TX
Zip	75418-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYS ADDN, BLOCK 6, LOT W 1/2 OF 2
Legal Subdivision	HAYS ADD
Legal Block	6
Legal Lot Number	2
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	2
Census Block	2008
Census Tract	950401

Owner

Source: Fannin County records, as of November 17, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1120 CEDAR ST, BONHAM, TX 75418-2914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 25, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021
Deed Sale	Jun 25, 2021
Prior Sale	Oct 20, 2016
Deed Document Number	2021004644
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	1120 CEDAR ST, BONHAM, TX 75418-2914
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003900
Date	May 26, 2021
Instrument	2021003900

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	1120 CEDAR ST, BONHAM, TX 75418-2914
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003901
Date	May 26, 2021
Instrument	2021003901

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Jun 25, 2021
Property Address	1120 CEDAR ST, BONHAM, TX 75418-2914
Document Number	2021004644
Map Reference	VOL 521 PG 285
Instrument Date	Jun 23, 2021
Instrument	2021004644
Transaction Type	Transfer
Record Updated	Dec 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 WES HARDIN CIR, 1910, BONHAM, TX 75418-2715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 CEDAR ST, BONHAM, TX 75418-2914

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$155,840 (-2.45%) Land $44,320 Building $111,520	$155,840 (-2.45%) Land $44,320 Building $111,520
2024	$1,597.00 (-4.37%)
2023		$159,760 Land $30,070 Building $129,690	$159,760 Land $30,070 Building $129,690
2018	$1,670.00

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 June 16, 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

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 80% of the US · lower than 94% 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 BONHAM serves 10,746 people · EPA ID TX0740001
Water Source	Purchased surface water from NORTH TEXAS MWD - BONHAM WTP
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2026) 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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