1654 White Bluff Dr, Whitney, TX 76692 Property Records

Hill County property record for 1654 White Bluff Dr, Whitney, TX 76692

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,500 sqft · built 2020
Lot Size	1.97 acres (85,900 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,559 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19523-05500-00000-654000`

Property Details

APN / Parcel Number

Primary APN	`19523-05500-00000-654000`
Alternative APNs	`19523-05500-00000-654020` `141873`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,500 sqft Living Area
Gross Area	3,763 sqft
1st Floor Area	2,500 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	85,900 sqft (1.97 acres)
Garage Type	Attached
Garage Area	881 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19523-05500-00000-654000
Street Address	1654 WHITE BLUFF DR
City	WHITNEY
State	TX
Zip	76692-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE BLUFF #1 LT 654 (1-3)
Legal Subdivision	WHITE BLUFF
Legal Block	1
Legal Lot Number	654
Jurisdiction	HILL TX
Township / Civil Division	BLUM
Census Block Group	4
Census Block	4046
Census Tract	960200

Owner

Source: Hill County records, as of September 23, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1654 WHITE BLUFF DR, WHITNEY, TX 76692-2066
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Nov 26, 2019	Deed of Trust, Mortgage · Construction Mortgage COGENT BANK
Oct 29, 2021	Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2018
Deed Sale	Feb 9, 2018
Deed Document Number	201894147
Deed Book / Page	1940 / 317
Last Transfer Date	Feb 28, 2025
Transfer Doc	002365/325
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	1654 WHITE BLUFF DR, WHITNEY, TX 76692-2066
Transaction Type	Mortgage
Record Updated	Sep 11, 2023
Title Company	MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002147/82
Date	Nov 16, 2021
Book Page	2147/82
Instrument	128776

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	1654 WHITE BLUFF DR, WHITNEY, TX 76692-2066
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2028/660
Date	Nov 26, 2019
Book Page	2028/660
Instrument	00108987

Lender

Name	COGENT BANK
Type	Bank
Address	FORT WORTH, TX 76113

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HILL TX
Recording Date	Oct 29, 2021
Property Address	1654 WHITE BLUFF DR, WHITNEY, TX 76692-2066
Document Number	002143/175
Book / Page	2143 / 175
Map Reference	SL A-130
Instrument Date	Oct 29, 2021
Instrument	128147
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	MICRO TITLE HILL COUNTY, MICRO TITLE HILL COUNTY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1654 WHITE BLUFF DR, WHITNEY, TX 76692-2066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6141 W AVENUE J14, LANCASTER, CA 93536-1770

Mortgage

Document Number	0000128776
Date	Oct 29, 2021
Instrument	128776

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Hill County
Unified School District	Whitney Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,559.00 (+2.69%)	$553,110 (+1.76%) Land $46,710 Building $506,400	$553,110 (+1.76%) Land $46,710 Building $506,400
2025	$8,335.00 (+529.53%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$543,560 (+4.15%) Land $46,710 Building $496,850	$543,560 (+4.15%) Land $46,710 Building $496,850
2023		$521,900 Land $46,710 Building $475,190	$521,900 Land $46,710 Building $475,190
2022	$1,324.00

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 30, 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	500 / 100
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Verizon.

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