1305 Neck Rd, Palmer, TX 75152 Property Records

Ellis County property record for 1305 Neck Rd, Palmer, TX 75152

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,332 sqft · built 1945
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Tax Bill	$491 (2025)
Deeds & Mortgages	Mar 2019 Loan Modification May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R209179`

Property Details

APN / Parcel Number

Primary APN	`R209179`
Alternative APNs	`00885300000401110` `209179`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,332 sqft Living Area
Gross Area	1,357 sqft
1st Floor Area	1,332 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	174,240 sqft
Porch	Covered Porch
Porch Area	25 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1305 NECK RD
City	PALMER
State	TX
Zip	75152-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 4A & PT 5A TRUE LIFE ESTS REV4 ACRES
Legal Subdivision	TRUE LIFE ESTS
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	2
Census Block	2054
Census Tract	60105

Owner

Source: Ellis County records, as of August 19, 2026

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	1305 NECK RD, PALMER, TX 75152-4310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2019	Loan Modification, Mortgage CITIZENS NAT'L BK/TX
May 22, 2018	Trustee's Deed, Construction Loan · Line of Credit CITIZENS NAT'L BK/TX

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 16, 2013
Transfer Doc	0000029946
Record Updated	Sep 20, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELLIS TX
Property Address	1305 NECK RD, PALMER, TX 75152-4310
Document Number	0000006211
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 NECK RD PALMER TX 751524310, PALMER, TX 75152-4310

Mortgage

Document Number	0000006211
Date	Mar 7, 2019
Instrument	6211

Lender

Name	CITIZENS NAT'L BK/TX
Type	Bank
Address	WAXAHACHIE, TX 75168

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 6, 2039

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ELLIS TX
Recording Date	May 22, 2018
Property Address	1305 NECK RD, PALMER, TX 75152-4310
Instrument Date	May 14, 2018
Instrument	14520
Transaction Type	Construction Loan
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 NECK RD PALMER TX 751524310, PALMER, TX 75152-4310

Mortgage

Document Number	0000014520
Date	May 22, 2018
Instrument	14520

Lender

Name	CITIZENS NAT'L BK/TX
Type	Bank
Address	WAXAHACHIE, TX 75168

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 21, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Unified School District	Palmer Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$161,051 (+1%)	$237,696 (-5.34%) Land $170,000 Building $67,696
2025	$491.00 (-32.74%) Homeowner's exemption	$146,410 (-40.38%) Land $170,000 Building $81,107	$251,107 (+2.25%) Land $170,000 Building $81,107
2024	$730.00 (+28.98%)
2023	$566.00 (-54.79%) Homeowner's exemption	$245,592 Land $144,500 Building $101,092	$245,592 Land $144,500 Building $101,092
2018	$1,252.00

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 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 60% of the US · above 44% of Texas
Wildfire Likelihood	0.2% 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	ROCKETT SUD serves 46,614 people · EPA ID TX0700033
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Nextlink Fixed Wireless	500 / 200
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless · Fiber in parts of the area	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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