1648 Locust Rd, Gilmer, TX 75645 Property Records

Upshur County property record for 1648 Locust Rd, Gilmer, TX 75645

Property Summary

Property Type	Rural Home
Details	1 ba · 5,176 sqft · built 1987
Lot Size	3.9 acres (170,232 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,600 (Oct 2018)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001U-S02-000-569`

Property Details

APN / Parcel Number

Primary APN	`001U-S02-000-569`
Alternative APN	`68045`

Interior

Full Baths	1 Bath
Building Area	5,176 sqft Living Area
1st Floor Area	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	170,232 sqft (3.9 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	001U-S02-000-569
Street Address	1648 LOCUST RD
City	GILMER
State	TX
Zip	75645-2789
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ABS A1 DAVENPORT, J B B,TRACT 569, 3.908 ACRES & HOUSE
Legal Subdivision	J B B DAVENPORT SURVEY A-1
Legal Tract	569
Jurisdiction	UPSHUR TX
Township / Civil Division	GILMER
Census Block Group	3
Census Block	3008
Census Tract	950302

Owner

Source: Upshur County records, as of July 7, 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	1648 LOCUST RD, GILMER, TX 75645-2789
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage GILMER NATIONAL BANK
Oct 24, 2018	Vendor's Lien, Transfer SOUTHWEST FUNDING LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	20187609
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Recording Date	Jun 24, 2026
Property Address	1648 LOCUST RD, GILMER, TX 75645-2789
Document Number	0000004295
Instrument Date	Jun 24, 2026
Instrument	20264295
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1648 LOCUST RD, GILMER, TX 75645-2789

Mortgage

Document Number	0000004295,
Date	Jun 24, 2026
Instrument	20264295

Lender

Name	GILMER NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	UPSHUR TX
Recording Date	Oct 24, 2018
Property Address	1648 LOCUST RD, GILMER, TX 75645-2789
Document Number	201807609
Instrument Date	Oct 19, 2018
Instrument	201807609
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1325, HALLSVILLE, TX 75650-1325

Mortgage

Document Number	201807610
Date	Oct 24, 2018
Instrument	201807610

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

Source: Upshur County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Upshur County
Unified School District	Gilmer Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,568.00 (-30.5%) Homeowner's exemption	$242,510 (+1.04%) Land $62,300 Building $180,210	$242,510 (+1.04%) Land $62,300 Building $180,210
2023		$240,020 Land $86,340 Building $153,680	$240,020 Land $86,340 Building $153,680
2022	$2,256.00

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 19, 2010

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 53% of the US · lower than 69% 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	PRITCHETT WSC serves 10,089 people · EPA ID TX2300012
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (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	None 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Etex Telephone DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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