1318 Elm St, Bonham, TX 75418 Property Records

Fannin County property record for 1318 Elm St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,448 sqft · built 1960
Lot Size	0.239 acres (10,428 sqft)
Owner	Individual Name on Record
Tax Bill	$2,555 (2025)
Deeds & Mortgages	Aug 2023 Sale Apr 2019 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9740-001-0090-05`

Property Details

APN / Parcel Number

Primary APN	`9740-001-0090-05`
Alternative APN	`93888`

Interior

Full Baths	1 Bath
Building Area	1,448 sqft Living Area
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	10,428 sqft (0.239 acres)
Lot Dimensions	149 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9740-001-0090-05
Street Address	1318 ELM ST
City	BONHAM
State	TX
Zip	75418-3151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAYLOR ADDN 2, BLOCK 1, LOT 9
Legal Subdivision	TAYLOR ADD NO 2
Legal Block	1
Legal Lot Number	9
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	5
Census Block	5016
Census Tract	950402

Owner

Source: Fannin County records, as of December 2, 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	1318 ELM ST, BONHAM, TX 75418-3151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer COREY TITLE COMPANY, COLE TITLE CO
Apr 11, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023
Deed Sale	Aug 8, 2023
Prior Sale	Feb 2, 2022
Deed Document Number	20235062
Prior Transfer Date	Mar 29, 2023
Prior Transfer Doc	2023001856
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Aug 8, 2023
Property Address	1318 ELM ST, BONHAM, TX 75418-3151
Document Number	2023005062
Map Reference	VOL 419 PG 495
Instrument Date	Aug 4, 2023
Instrument	2023005062
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	PO BOX 210, IVANHOE, TX 75447-0210

Transferred To (Grantee/Buyer)

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	1318 ELM ST, BONHAM, TX 75418-3151
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2124/0428
Date	Apr 11, 2019
Book Page	2124/0428
Instrument	2019-2134

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.64%
Type Change Date	May 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 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	$2,555.00 (+63.26%) Homeowner's exemption	$131,710 (+5.21%) Land $43,690 Building $88,020	$131,710 (+5.21%) Land $43,690 Building $88,020
2024	$1,565.00 (+189.28%)
2023		$125,190 Land $39,730 Building $85,460	$125,190 Land $39,730 Building $85,460
2018	$541.00

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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