15670 McElroy Rd, Whitehouse, TX 75791 Property Records

Smith County property record for 15670 McElroy Rd, Whitehouse, TX 75791

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 700 sqft · built 2018
Lot Size	0.794 acres (34,587 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,543 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R099874`

Property Details

APN / Parcel Number

Primary APN	`R099874`
Alternative APN	`1-25020-0000-00-015000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	700 sqft Heated Area
1st Floor Area	700 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	34,587 sqft (0.794 acres)
Porch	Slab
Porch Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R099874
Street Address	15670 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 15
Legal Subdivision	MCELROY LAKE TYLER
Legal Lot Number	15
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 October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10196 SUGAR CREEK DR, FLINT, TX 75762-8874
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · ARM UBANK
Jul 23, 2020	Deed of Trust, Mortgage BANCORPSOUTH
May 14, 2020	Deed of Trust, Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15670 MCELROY RD, WHITEHOUSE, TX 75791-8332
Transaction Type	Mortgage
Record Updated	May 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001015729
Date	Apr 23, 2021
Instrument	202101015729

Lender

Name	UBANK
Type	Bank
Address	TYLER, TX 75703

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.85%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	4.85%
Max Rate At Change	6.85%
Index	Other
Margin	1
Max Rate	8%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15670 MCELROY RD, WHITEHOUSE, TX 75791-8332
Document Number	0000026884
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4320 SOUTHWESTERN BLVD DALLAS TX 752256766, DALLAS, TX 75225-6766

Mortgage

Document Number	0000026884
Date	Jul 30, 2020
Instrument	26884

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TYLER, TX 75701

Agreement

Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	15670 MCELROY RD, WHITEHOUSE, TX 75791-8332
Document Number	0000020877
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4320 SOUTHWESTERN BLVD DALLAS TX 752256766, DALLAS, TX 75225-6766

Mortgage

Document Number	0000020877
Date	Jun 22, 2020
Instrument	20877

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TYLER, TX 75701

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Smith County assessment roll, as of October 20, 2026

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
2026	$4,543.00 (+1.27%)	$324,785 (+1.25%) Land $177,100 Building $147,685	$324,785 (+1.25%) Land $177,100 Building $147,685
2025	$4,486.00 (+2.47%)	$320,763 (-19.85%) Land $177,100 Building $143,663	$320,763 (-19.85%) Land $177,100 Building $143,663
2024	$4,378.00 (-18.49%)
2023	$5,371.00 (+0.13%)	$400,225 Land $177,100 Building $223,125	$400,225 Land $177,100 Building $223,125
2022	$5,364.00

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 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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