1305 James St, Howe, TX 75459 Property Records

Grayson County property record for 1305 James St, Howe, TX 75459 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	1,561 sqft · built 2017
Lot Size	0.137 acres (6,011 sqft)
Owner	Individual Name on File
Tax Bill	$4,374 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`242 7214051`

Property Details

APN / Parcel Number

Primary APN	`242 7214051`
Alternative APN	`266924`

Interior

Building Area	1,561 sqft Living Area
Gross Area	1,979 sqft
1st Floor Area	1,561 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Lot Area	6,011 sqft (0.137 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	186 sqft

Location & Zoning

Account Number	266924
Street Address	1305 JAMES ST
City	HOWE
State	TX
Zip	75459-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT HILL PHASE 1, BLOCK A, LOT 51, ACRES 0.138
Legal Subdivision	SUMMIT HILL PHASE 1
Legal Phase	1
Legal Block	A
Legal Lot Number	51
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1063
Census Tract	1801

Owner

Source: Grayson County records · APN 242 7214051

Assessment roll updated August 1, 2025 · Last verified October 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
Mailing Address	1305 JAMES ST, HOWE, TX 75459-2931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 13, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage ONETRUST HM LOANS
Feb 08, 2017	Grant Deed, Transfer SENDERA TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 23, 2022
Deed Sale	Sep 23, 2022
Deed Document Number	2022-31871
Record Updated	Jun 08, 2026

September 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Sep 23, 2022
Property Address	1305 JAMES ST, HOWE, TX 75459-2931
Document Number	0000031871
Map Reference	VOL 21 PG 89
Instrument Date	Sep 15, 2022
Instrument	2022-31871
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	TEXAS PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 JAMES ST, HOWE, TX 75459-2931

Mortgage

Document Number	0000031872
Date	Sep 23, 2022
Instrument	2022-31872

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	GRAYSON TX
Recording Date	Sep 13, 2017
Property Address	1305 JAMES ST, HOWE, TX 75459-2931
Document Number	0000020505
Instrument Date	Sep 11, 2017
Instrument	20505
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 17, 2017
Title Company	TEXAS AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 JAMES ST HOWE TX 754592931, HOWE, TX 75459-2931

Mortgage

Document Number	20506
Date	Sep 13, 2017
Instrument	20506

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GRAYSON TX
Recording Date	Feb 08, 2017
Property Address	1305 JAMES ST, HOWE, TX 75459-2931
Document Number	0000002616
Book / Page	005946 / 000559
Instrument Date	Feb 06, 2017
Instrument	2616
Transaction Type	Transfer
Record Updated	Apr 17, 2017
Title Company	SENDERA TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 LAKE ROBBINS DR #430 THE WOODLANDS TX 773803294, 430, THE WOODLANDS, TX 77380-3294

Tax Assessment & Valuation

Source: Grayson County records · Assessment roll updated August 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Howe Town
Unified School District	Howe Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$270,011 (-0.79%) Land $46,407 Building $223,604	$270,011 (-0.79%) Land $46,407 Building $223,604
2024	$4,374.00 (-21.92%)
2023		$272,166 Land $46,407 Building $225,759	$272,166 Land $46,407 Building $225,759
2022	$5,602.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grayson County (48181C), updated October 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481810018011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	5 in force
Nearby Flood Claims	10 (2006–2022)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Nov 2022, river or lake flooding
Claims By Storm	Severe Storms, Tornadoes, And Flooding, Jul 2007 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 93 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Cable	1,000 / 50
AMG Technology Investment Group	Fixed Wireless	400 / 100
Verizon	Fixed Wireless	300 / 20
Texoma Communications	Fixed Wireless (licensed-by-rule)	100 / 20

May also be available at this address: Cable One. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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