1607 Spencer Ln, Cleburne, TX 76033 Property Records

Johnson County property record for 1607 Spencer Ln, Cleburne, TX 76033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,427 sqft · built 2005
Lot Size	0.542 acres (23,628 sqft)
Owner	2 Owner Names on Record
Tax Bill	$9,416 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`126.3084.00885`

Property Details

APN / Parcel Number

Primary APN	`126.3084.00885`
Alternative APN	`R000067129`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,427 sqft Living Area
1st Floor Area	2,427 sqft

Exterior

Year Built	Built 2005
Lot Area	23,628 sqft
Garage Type	Attached
Garage Area	567 sqft
Porch	Porch
Porch Area	140 sqft

Location & Zoning

Account Number	R000067129
Street Address	1607 SPENCER LN
City	CLEBURNE
State	TX
Zip	76033-7527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 BLK 3 WINCHESTER PHASE 6
Legal Subdivision	WINCHESTER
Legal Block	3
Legal Lot Number	22
Jurisdiction	JOHNSON TX
Township / Civil Division	CLEBURNE
Census Block Group	1
Census Block	1015
Census Tract	130604

Owner

Source: Johnson County records, as of October 20, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Sep 27, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Jun 27, 2017	Deed of Trust, Mortgage · FHA Mortgage CENDERA FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2012
Deed Sale	Jul 31, 2012
Deed Document Number	201200017598
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TX
Property Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527

Mortgage

Document Number	0000004129
Date	Feb 16, 2024
Instrument	2024-4129

Lender

Name	LOANCARE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	281 Months
Due	Jul 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TX
Property Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527

Mortgage

Document Number	0000036404
Date	Sep 27, 2021
Instrument	2021-36404

Lender

Name	LOANCARE LLC
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jul 1, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TX
Property Address	1607 SPENCER LN, CLEBURNE, TX 76033-7527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015475
Date	Jun 27, 2017
Instrument	2017-15475

Lender

Name	CENDERA FUNDING INC
Type	Lending Institution
Address	FORT WORTH, TX 76116

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
Municipality	Cleburne City
County	Johnson County
Unified School District	Cleburne Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,416.00 (+24.67%)	$422,321 (+3.69%) Land $62,000 Building $360,321	$422,321 (+3.69%) Land $62,000 Building $360,321
2023		$407,307 Land $62,000 Building $345,307	$407,307 Land $62,000 Building $345,307
2021	$7,553.00 (+5.22%)
2018	$7,178.00

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 2, 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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

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

Wildfire Risk	Moderate above 60% of the US · above 43% of Texas
Wildfire Likelihood	0.1% 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	CITY OF CLEBURNE serves 34,075 people · EPA ID TX1260003
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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