12420 FM 2728, Terrell, TX 75161 Property Records

Kaufman County property record for 12420 FM 2728, Terrell, TX 75161

Property Summary

Property Type	Rural Home
Details	3,572 sqft · built 1997
Lot Size	54.5 acres (2,377,418 sqft)
Owner	Individual Name on Record
Tax Bill	$3,377 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R3022`

Property Details

APN / Parcel Number

Primary APN	`R3022`
Alternative APN	`99.0076.0000.0830.00.99.00`

Interior

Stories	1 Story
Building Area	3,572 sqft Living Area
Gross Area	4,243 sqft
1st Floor Area	3,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	2,377,418 sqft (54.5 acres)
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	398 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R3022
Old Parcel Number	99007600000830009900
Street Address	12420 FM 2728
City	TERRELL
State	TX
Zip	75161
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	R G CARTWRIGHT, TRACT 830.00; 54.578 ACRES
Legal Subdivision	R G CARTWRIGHT
Legal Tract	830.00
Jurisdiction	KAUFMAN TX
Township / Civil Division	TERRELL
Census Block Group	1
Census Block	1033
Census Tract	50602

Owner

Source: Kaufman County records, as of October 31, 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
Mailing Address	PO BOX 817, TERRELL, TX 75160-0016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Warranty Deed, Transfer HOMEBRIDGE FIN'L SVCS INC
Mar 4, 2020	Warranty Deed, Transfer AMERICAN NAT'L BK/TX

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Jan 22, 2021
Property Address	12420 FM 2728, TERRELL, TX 75161
Document Number	0067980196
Book / Page	006798 / 000196
Instrument Date	Jan 21, 2021
Instrument	2795
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	RANGER TITLE COMPANY, RANGER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11645 CO ROAD 313 TERRELL TX 75161, TERRELL, TX 75161

Mortgage

Document Number	67980199
Date	Jan 22, 2021
Book Page	006798/000199
Instrument	2796

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Mar 4, 2020
Property Address	12420 FM 2728, TERRELL, TX 75161
Document Number	0063230474
Book / Page	006323 / 000474
Instrument Date	Feb 28, 2020
Instrument	6002
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	RANGER TITLE COMPANY, RANGER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11930 COUNTY ROAD 352 TERRELL TX 751615620, TERRELL, TX 75161-5620

Mortgage

Document Number	63230478
Date	Mar 4, 2020
Book Page	006323/000478
Instrument	6003

Lender

Name	AMERICAN NAT'L BK/TX
Type	Bank
Address	TERRELL, TX 75160

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 3, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Kaufman County
Unified School District	Wills Point Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,326,578 (+64.9%)	$1,413,186 (+7.05%) Land $629,949 Building $783,237
2024	$3,377.00 (+1.35%)
2023	$3,332.00 (-38.51%) Homeowner's exemption Senior Citizen's exemption	$804,474 Land $17,693 Building $786,781	$1,320,068 Land $533,287 Building $786,781
2022	$5,419.00

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 8, 2026 · 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 Policies	2 in force

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 55% of the US · lower than 66% 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	ELMO WSC serves 2,475 people · EPA ID TX1290013
Water Source	Purchased surface water from CITY OF TERRELL
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb
Copper	1.37 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Oct 2018
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.

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)
Open Infra Fiber	8,000 / 8,000
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: Nextlink.

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