15654 McElroy Rd, Whitehouse, TX 75791 Property Records

Smith County property record for 15654 McElroy Rd, Whitehouse, TX 75791

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,577 sqft · built 1974
Lot Size	0.751 acres (32,714 sqft)
Owner	Individual Name on Record
Tax Bill	$4,375 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R099873`

Property Details

APN / Parcel Number

Primary APN	`R099873`
Alternative APN	`1-25020-0000-00-014000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,577 sqft Heated Area
1st Floor Area	1,577 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	32,714 sqft (0.751 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Utility Building	143 sqft
Boat House	1,200 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R099873
Street Address	15654 MCELROY RD
City	WHITEHOUSE
State	TX
Zip	75791-8332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCELROY LAKE TYLER LEASE HOLD INTEREST LOT 14
Legal Subdivision	MCELROY LAKE TYLER
Legal Lot Number	14
Jurisdiction	SMITH TX
Township / Civil Division	TROUP-ARP
Census Block Group	2
Census Block	2034
Census Tract	2102

Owner

Source: Smith County records, as of March 16, 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	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHSIDE BANK
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHSIDE BANK
May 13, 2020	Deed of Trust, Mortgage SOUTHSIDE BK
Sep 20, 2018	Deed of Trust, Mortgage BANCORPSOUTH
Aug 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2017
Deed Sale	Feb 8, 2017
Prior Sale	Sep 19, 2013
Deed Document Number	20170100005399
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001037019
Date	Dec 12, 2025
Instrument	202501037019

Lender

Name	SOUTHSIDE BANK
Type	Bank
Address	TYLER, TX 75701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001035543
Date	Dec 1, 2025
Instrument	202501035543

Lender

Name	SOUTHSIDE BANK
Type	Bank
Address	TYLER, TX 75701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Document Number	0000016306
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15654 MCELROY RD WHITEHOUSE TX 757918332, WHITEHOUSE, TX 75791-8332

Mortgage

Document Number	0000016306
Date	May 19, 2020
Instrument	16306

Lender

Name	SOUTHSIDE BK
Type	Bank
Address	TYLER, TX 75701

Agreement

Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Document Number	0000039948
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15654 MCELROY RD WHITEHOUSE TX 757918332, WHITEHOUSE, TX 75791-8332

Mortgage

Document Number	0000039948
Date	Sep 26, 2018
Instrument	39948

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 25, 2043

Interest

Rate Type	Adjustable Rate
Rate	4.75%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SMITH TX
Recording Date	Aug 9, 2018
Property Address	15654 MCELROY RD, WHITEHOUSE, TX 75791-8332
Document Number	0000033922
Instrument Date	Mar 28, 2018
Instrument	33922
Transaction Type	Transfer
Record Updated	Sep 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 E ERWIN ST TYLER TX 757026345, TYLER, TX 75702-6345

Tax Assessment & Valuation

Source: Smith County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Smith County
Unified School District	Whitehouse Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,375.00 (-6.6%) Homeowner's exemption	$417,118 (-8.9%) Land $154,100 Building $263,018	$417,118 (-8.9%) Land $154,100 Building $263,018
2024	$4,684.00 (+14.05%)
2023	$4,107.00 (-13.35%) Homeowner's exemption	$457,875 Land $154,100 Building $303,775	$457,875 Land $154,100 Building $303,775
2022	$4,740.00

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 September 2, 2024 · 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	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	May 2024 · Severe Storms, Straight-line Winds, Tornadoes, 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	Moderate above 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTHERN UTILITIES private · serves 69,735 people · EPA ID TX2120063
Water Source	Purchased surface water from CITY OF TYLER
Last State Inspection	Jan 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

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