114 W Spencer St, Bangs, TX 76823 Property Records

Brown County property record for 114 W Spencer St, Bangs, TX 76823

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,552 sqft · built 1974
Lot Size	0.456 acres (19,846 sqft)
Owner	2 Individual Names on File
Last Sale	$253,908 (Apr 2026)
Tax Bill	$2,813 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S3110-0004-00`

Property Details

APN / Parcel Number

Primary APN	`S3110-0004-00`
Alternative APN	`49258`

Interior

Full Baths	2 Baths
Building Area	1,552 sqft Living Area
Gross Area	2,904 sqft
1st Floor Area	1,551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Roof Type	Hip
Roof Material	Galvanized Metal
Lot Area	19,846 sqft (0.456 acres)
Lot Dimensions	124 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	384 sqft
Porch	Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	S3110-0004-00
Street Address	114 W SPENCER ST
City	BANGS
State	TX
Zip	76823-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIBSON-BANGS, BLOCK 1, LOT PART 4, PART PLUM STREET
Legal Subdivision	GIBSON ADDITION
Legal Block	1
Jurisdiction	BROWN TX
Township / Civil Division	BANGS
Census Block Group	2
Census Block	2027
Census Tract	950500

Owner

Source: Brown County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	114 W SPENCER ST, BANGS, TX 76823-3039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Prior Sale	Feb 8, 2012 · Amount on File
Deed Document Number	20262037
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BROWN TX
Recording Date	Apr 21, 2026
Property Address	114 W SPENCER ST, BANGS, TX 76823
Document Number	0000002037
Instrument Date	Apr 20, 2026
Instrument	20262037
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	BVR COUNTY ABSTRACT, BROWN COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 W SPENCER ST, BANGS, TX 76823

Mortgage

Document Number	0000002038,
Date	Apr 21, 2026
Instrument	20262038

Lender

Name	PILGRIM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000002039,
Date	Apr 21, 2026
Instrument	20262039

Lender

Agreement

Amount	Amount on Record

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

Source: Brown County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,813.00 (+139%) Homeowner's exemption Senior Citizen's exemption	$158,800 (+14.33%) Land $8,930 Building $149,870	$158,800 (+14.33%) Land $8,930 Building $149,870
2025	$1,177.00 (-35.54%) Homeowner's exemption Senior Citizen's exemption	$138,900 (+10.02%) Land $6,550 Building $132,350	$138,900 (+10.02%) Land $6,550 Building $132,350
2023		$126,250 Land $6,550 Building $119,700	$126,250 Land $6,550 Building $119,700
2022	$1,826.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 27, 2018 · 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
Nearby Flood Claims	23 (1989–2015)
Claims Outside the SFHA	9 of 23
Most Recent Claim	Oct 2015 · other causes
Claims by Event	Severe Storms, Tornadoes & Flooding, Apr 1990 · 20 claims

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 52% of the US · lower than 72% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 BANGS serves 2,964 people · EPA ID TX0250001
Water Source	Purchased surface water from BROWN COUNTY WID 1
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2017
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Astound Broadband Fiber	1,500 / 1,500
Nextlink Fixed Wireless	1,000 / 1,000
Coleman County Telephone Cooperative Fixed Wireless	100 / 20

May also be available: Verizon.

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