1316 Elm St, Bonham, TX 75418 Property Records

Fannin County property record for 1316 Elm St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1945
Lot Size	0.224 acres (9,762 sqft)
Owner	Individual Name on Record
Tax Bill	$1,306 (2024)
Deeds & Mortgages	Sep 2009 Line of Credit Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0560-020-0000-05`

Property Details

APN / Parcel Number

Primary APN	`0560-020-0000-05`
Alternative APN	`77215`

Interior

Full Baths	1 Bath
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1945
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	9,762 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Area	240 sqft
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	0560-020-0000-05
Old Parcel Number	77215
Street Address	1316 ELM ST
City	BONHAM
State	TX
Zip	75418-3151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0560 BAILEY INGLISH, ACRES .2241
Legal Subdivision	TAYLOR ADD #8
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	5
Census Block	5016
Census Tract	950402

Owner

Source: Fannin County records, as of November 20, 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	1316 ELM ST, BONHAM, TX 75418-3151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2009	Deed of Trust, Mortgage · Line of Credit FANNIN BANK
Aug 15, 2025	Vendor's Lien, Transfer · FHA Mortgage PREMIER LENDING INC
Dec 10, 2021	Warranty Deed, Transfer COREY TITLE COMPANY, COLE TITLE CO
Feb 14, 2018	Vendor's Lien, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2025
Deed Sale	Aug 15, 2025
Prior Sale	Dec 10, 2021
Deed Document Number	2025005070
Record Updated	Jun 8, 2026

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	1316 ELM ST, BONHAM, TX 75418-3151
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01452/0058
Date	Sep 30, 2009
Book Page	1452/0058
Instrument	2009-4635

Lender

Name	FANNIN BANK
Address	BONHAM, TX 75418

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Aug 15, 2025
Property Address	1316 ELM ST, BONHAM, TX 75418-3151
Document Number	2025005070
Map Reference	VOL 956 PG 253
Instrument Date	Aug 14, 2025
Instrument	2025005070
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	COREY TITLE COMPANY, COLE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	619 N MILT PHILLIPS AVE, SEMINOLE, OK 74868-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1316 ELM ST, BONHAM, TX 75418-3151

Mortgage

Document Number	2025005071
Date	Aug 15, 2025
Instrument	2025005071

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Dec 10, 2021
Property Address	1316 ELM ST, BONHAM, TX 75418-3151
Document Number	2021009074
Instrument Date	Dec 9, 2021
Instrument	2021009074
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1643 COUNTY ROAD 14200, BLOSSOM, TX 75416-4504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 ELM ST, BONHAM, TX 75418-3151
Investor	Possibly a Property Investor

February 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Feb 14, 2018
Property Address	1316 ELM ST, BONHAM, TX 75418-3151
Document Number	02019/0451
Book / Page	2019 / 0451
Instrument Date	Feb 13, 2018
Instrument	2018-0855
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1318 ELM ST, 1318, BONHAM, TX 75418-3151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 ELM ST, BONHAM, TX 75418-3151

Mortgage

Document Number	0020180856
Date	Feb 14, 2018
Instrument	2018-0856

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$122,750 (+4.66%) Land $42,080 Building $80,670	$122,750 (+4.66%) Land $42,080 Building $80,670
2024	$1,306.00 (-4.25%)
2023		$117,280 Land $37,590 Building $79,690	$117,280 Land $37,590 Building $79,690
2018	$1,364.00

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 · 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	3 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.03% 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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