151 Osage Ln, Gilmer, TX 75645 Property Records

Upshur County property record for 151 Osage Ln, Gilmer, TX 75645

Property Summary

Property Type	Single Family Home
Details	4,329 sqft · built 2018
Lot Size	2.81 acres (122,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2019)
Tax Bill	$5,238 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S421-S02-000-LT04`

Property Details

APN / Parcel Number

Primary APN	`S421-S02-000-LT04`
Alternative APN	`65041516`

Interior

Building Area	4,329 sqft Total Area
1st Floor Area	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	122,534 sqft (2.81 acres)
Garage Area	654 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	S421-S02-000-LT04
Street Address	151 OSAGE LN
City	GILMER
State	TX
Zip	75645-2981
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, SARATOGA SPRINGS SUBD S421 (A25, A485) 2.813 ACRES & HOUSE
Legal Subdivision	SARATOGA SPRINGS SUBD
Legal Lot Number	4
Jurisdiction	UPSHUR TX
Township / Civil Division	GILMER
Census Block Group	3
Census Block	3004
Census Tract	950302

Owner

Source: Upshur County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	151 OSAGE LN, GILMER, TX 75645-2981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Sep 5, 2017	Deed of Trust, Mortgage · Construction Mortgage EASTMAN CU
Jul 15, 2019	Vendor's Lien, Transfer · Conventional Mortgage TEXAS BANK AND TRUST CO
Feb 8, 2017	Vendor's Lien, Transfer · ARM THE FIRST NATIONAL BANK OF GILMER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Feb 8, 2017 · Amount on Record
Deed Document Number	20194449
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	151 OSAGE LN, GILMER, TX 75645-2981
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201801321
Date	Feb 20, 2018
Instrument	201801321

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	GILMER, TX 75644

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	151 OSAGE LN, GILMER, TX 75645-2981
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201705802
Date	Sep 5, 2017
Instrument	201705802

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 1, 2048

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	UPSHUR TX
Recording Date	Jul 15, 2019
Property Address	151 OSAGE LN, GILMER, TX 75645-2981
Document Number	201904449
Map Reference	VOL 5 PG 162
Instrument Date	Jul 9, 2019
Instrument	201904449
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 OSAGE LN, GILMER, TX 75645-2981

Mortgage

Document Number	201904450
Date	Jul 15, 2019
Instrument	201904450

Lender

Name	TEXAS BANK AND TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 26, 2020

February 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	UPSHUR TX
Recording Date	Feb 8, 2017
Property Address	151 OSAGE LN, GILMER, TX 75645-2981
Document Number	1291/486
Book / Page	1291 / 486
Map Reference	VOL5 PG162
Instrument Date	Feb 7, 2017
Instrument	201700779
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 MOCKINGBIRD LN, GILMER, TX 75645-6637

Mortgage

Document Number	201700780
Date	Feb 8, 2017
Instrument	201700780

Lender

Name	THE FIRST NATIONAL BANK OF GILMER
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Feb 8, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 8, 2022
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	1.6%
Index	1-Year CMT
Margin	2

Tax Assessment & Valuation

Source: Upshur County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Upshur County
Unified School District	Gilmer Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,238.00 (-8.97%) Homeowner's exemption	$486,960 (+25.29%) Land $87,170 Building $399,790	$486,960 (+25.29%) Land $87,170 Building $399,790
2023		$388,680 Land $21,100 Building $367,580	$388,680 Land $21,100 Building $367,580
2022	$5,754.00

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 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · above 45% 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	PRITCHETT WSC serves 10,089 people · EPA ID TX2300012
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (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	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. 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Etex Telephone Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Osage Ln

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