1637 Whispering Oaks St, Tom Bean, TX 75489 Property Records

Grayson County property record for 1637 Whispering Oaks St, Tom Bean, TX 75489

Property Summary

Property Type	Single Family Home
Details	2,777 sqft · built 2017
Lot Size	7.51 acres (327,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$44,100 (Apr 2015)
Tax Bill	$3,925 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`237 085502003`

Property Details

APN / Parcel Number

Primary APN	`237 085502003`
Alternative APN	`130203`

Interior

Stories	1 Story
Building Area	2,777 sqft Living Area
Gross Area	2,859 sqft
1st Floor Area	2,777 sqft
Upper Floors Area	796 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Lot Area	327,136 sqft (7.51 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	1,442 sqft
Utility Building	120 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	1637 WHISPERING OAKS ST
City	TOM BEAN
State	TX
Zip	75489
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0855 MCKINNEY ROBERT A-G0855, ACRES 7.51
Legal Subdivision	MCKINNEY ROBERT A-G0855
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1051
Census Tract	1802

Owner

Source: Grayson County records, as of June 9, 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	PO BOX 443, TOM BEAN, TX 75489-0443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit BOKF NA
Mar 23, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 15, 2019	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 25, 2019	Loan Modification, Mortgage TEXAS STAR BK
Apr 26, 2018	Deed of Trust, Mortgage TEXAS STAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2015 · Amount on Record
Deed Sale	Apr 7, 2015 · Amount on Record
Prior Sale	Feb 1, 2006
Deed Document Number	20156147
Deed Book / Page	5606 / 444
Prior Transfer Date	Apr 6, 2015
Prior Transfer Doc	0000006147
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Recording Date	May 29, 2026
Property Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489
Document Number	0000013430
Instrument Date	May 11, 2026
Instrument	202613430
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489

Mortgage

Document Number	0000013430,
Date	May 29, 2026
Instrument	202613430

Lender

Name	BOKF NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.37%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009051
Date	Mar 23, 2021
Instrument	2021-00009051

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	RED RIVER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025063
Date	Oct 15, 2019
Instrument	2019-00025063

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRAYSON TX
Property Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489
Document Number	0000018843
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1637 WHISPERING OAKS ST TOM BEAN TX 75489, TOM BEAN, TX 75489

Mortgage

Document Number	0000018843
Date	Aug 7, 2019
Instrument	18843

Lender

Name	TEXAS STAR BK
Type	Bank
Address	VAN ALSTYNE, TX 75495-0608

Agreement

Amount	Amount Recorded

Interest

Rate	6%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1637 WHISPERING OAKS ST, TOM BEAN, TX 75489
Document Number	0000009902
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 443 TOM BEAN TX 754890443, TOM BEAN, TX 75489-0443

Mortgage

Document Number	0000009902
Date	May 3, 2018
Instrument	9902

Lender

Name	TEXAS STAR BK
Type	Bank
Address	VAN ALSTYNE, TX 75495

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	Tom Bean Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,925.00 (-52.15%) Homeowner's exemption Veteran's exemption	$409,703 (-34.26%) Land $15,451 Building $394,252	$623,172 (-0.01%) Land $228,920 Building $394,252
2024	$8,203.00 (+3%)
2023		$623,241 Land $251,330 Building $371,911	$623,241 Land $251,330 Building $371,911
2022	$7,964.00

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 13, 2026

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 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.1% 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	CITY OF TOM BEAN serves 799 people · EPA ID TX0910008
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 ppb (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	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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grayson Collin Communications Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Rise Broadband Fixed Wireless	100 / 20
TekWav Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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