Wharton County property record for 1604 Michael St, El Campo, TX 77437
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,864 sqft · built 1956 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,832 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 11010-002-081-00 |
| Primary APN | 11010-002-081-00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,864 sqft Living Area |
| 1st Floor Area | 1,864 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 190 ft deep x 114 ft wide |
| Porch | Open Porch |
| Porch Area | 215 sqft |
| Patio Area | 216 sqft |
| Account Number | 1101000208100 |
|---|---|
| Street Address | 1604 MICHAEL ST |
| City | EL CAMPO |
| State | TX |
| Zip | 77437-9348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAYNE WEST BLOCK 2 LOT 8B |
| Legal Subdivision | PAYNE WEST |
| Legal Block | 2 |
| Legal Lot Number | 8B |
| Jurisdiction | WHARTON TX |
| Township / Civil Division | EL CAMPO |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 740901 |
1604 Michael St is owned and occupied by two individuals.
Source: Wharton County records, as of September 22, 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 File |
|---|---|
| Mailing Address | 1604 MICHAEL ST, EL CAMPO, TX 77437-9348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHARTON TX |
| Property Address | 1604 MICHAEL ST, EL CAMPO, TX 77437-9348 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001086/252 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 1086/252 |
| Instrument | 2018-00000694 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1604 Michael St was $3,832 with a homeowner's exemption.
Source: Wharton County assessment roll, as of September 22, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | El Campo City |
| County | Wharton County |
| Unified School District | El Campo Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $223,799 (-0.36%) Land $58,370 Building $165,429 | $223,799 (-0.36%) Land $58,370 Building $165,429 | |
| 2025 | $3,832.00 Homeowner's exemption | $224,597 Land $57,717 Building $166,880 | $224,597 Land $57,717 Building $166,880 |
| 2023 | $204,656 Land $52,272 Building $152,384 | $204,656 Land $52,272 Building $152,384 | |
| 2022 | $3,995.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1604 Michael St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 |
| Flood Insurance Cost | Premium on File median of 59 policies |
| Nearby Flood Policies | 59 in force |
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 risk around 1604 Michael St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 90% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF EL CAMPO serves 12,095 people · EPA ID TX2410002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2022 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| YK Communications Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Rise Broadband Fiber | 1,000 / 200 |
| Sparklight Cable | 1,000 / 50 |
| Skynet Fixed Wireless | 100 / 50 |
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