185 Pvt Rd 1648, Chico, TX 76431 Property Records

Wise County property record for 185 Pvt Rd 1648, Chico, TX 76431

Property Summary

Property Type	Private Preserve, Open Space Vacant Land
Details	2 ba · 2,159 sqft · built 1989
Lot Size	12.1 acres (527,947 sqft)
Owner	2 Individual Names on File
Last Sale	$458,400 (Jun 2022)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A0977.0003.01`

Property Details

APN / Parcel Number

Primary APN	`A0977.0003.01`
Alternative APNs	`000000750672` `R000020102` `750672`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,159 sqft Gross Area
1st Floor Area	2,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Roof Type	Hip
Roof Material	Other
Lot Area	527,947 sqft
View / Lot	Rural
Garage Type	Carport
Garage Area	460 sqft
Carport	Carport
Carport Area	460 sqft
Porch	Open Porch
Porch Area	485 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000020102
Street Address	185 PRIVATE ROAD 1648
City	CHICO
State	TX
Zip	76431-2733
Property Category	Vacant Land
Property Type	Vacant Land > Private Preserve, Open Space
Legal Description	A-977 JA BEAUCHAMP 12.12 ACRES
Legal Subdivision	A-977 JA BEAUCHAMP
Jurisdiction	WISE TX
Township / Civil Division	BRIDGEPORT
Census Block Group	1
Census Block	1073
Census Tract	150404

Owner

185 Pvt Rd 1648, private preserve, open space vacant land, is owned and occupied by two individuals who bought it in June 2022.

Source: Wise County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jun 20, 2022	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 23, 2019	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Oct 18, 2018	Deed of Trust, Mortgage FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2022 · Amount on File
Deed Sale	Jun 20, 2022 · Amount on File
Prior Sale	Apr 13, 2017 · Amount on File
Deed Document Number	202210249
Prior Transfer Date	Jul 15, 2016
Prior Transfer Doc	0000007150
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202111026
Date	Jul 9, 2021
Instrument	202111026

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WISE TX
Recording Date	Jun 20, 2022
Property Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733
Document Number	0202210249
Instrument Date	Jun 16, 2022
Instrument	202210249
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733

Mortgage

Document Number	0202210250
Date	Jun 20, 2022
Instrument	202210250

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733
Document Number	0000015388
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 PRIVATE ROAD 1648 CHICO TX 76431, CHICO, TX 76431

Mortgage

Document Number	0000015388
Date	Dec 30, 2019
Instrument	15388

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	185 PRIVATE ROAD 1648, CHICO, TX 76431-2733
Document Number	0000012507
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	185 PRIVATE ROAD 1648 CHICO TX 76431, CHICO, TX 76431

Mortgage

Document Number	0000012507
Date	Oct 25, 2018
Instrument	12507

Lender

Name	FIRST ST BK
Type	Bank
Address	DENTON, TX 76201

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 185 Pvt Rd 1648 was $2,628 with a homeowner's exemption, down 15.5% from the year before.

Source: Wise County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Wise County
Unified School District	Chico Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$361,250 (+4.19%) Land $38,415 Building $322,835	$552,382 (+6.13%) Land $229,547 Building $322,835
2025	$2,628.00 (-15.53%) Homeowner's exemption	$346,717 Land $35,042 Building $311,675	$520,471 Land $208,796 Building $311,675
2024	$3,111.00
2023		$345,962	$519,010
2021	$2,925.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 185 Pvt Rd 1648 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 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
Nearby Flood Policies	2 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

Wildfire risk around 185 Pvt Rd 1648 is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 75% of Texas
Wildfire Likelihood	0.5% 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 CHICO serves 1,596 people · EPA ID TX2490004
Water Source	Groundwater
Last State Inspection	Feb 2025
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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
AMA TechTel Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3
Rise Broadband Fixed Wireless	10 / 1

May also be available: Brightspeed, Comcell.

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