1892 Cardinal Rd, Gilmer, TX 75645 Property Records

Upshur County property record for 1892 Cardinal Rd, Gilmer, TX 75645

Property Summary

Property Type	Single Family Home
Details	4,551 sqft · built 2022
Lot Size	4.01 acres (174,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,800 (Apr 2021)
Tax Bill	$8,576 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S405-S02-000-PH1LT14`

Property Details

APN / Parcel Number

Primary APN	`S405-S02-000-PH1LT14`
Alternative APN	`78465`

Interior

Building Area	4,551 sqft Total Area
1st Floor Area	2,465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Material	Composition Shingle
Lot Area	174,981 sqft (4.01 acres)
Garage Type	Attached
Garage Area	626 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	S405-S02-000-PH1LT14
Street Address	1892 CARDINAL RD
City	GILMER
State	TX
Zip	75645-7481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14, BLK PH 1 BARTON SPRINGS ESTATES S405 (A2) 4.017 ACRES & HOUSE
Legal Subdivision	BARTON SPRINGS ESTATES
Legal Lot Number	14
Jurisdiction	UPSHUR TX
Township / Civil Division	GILMER
Census Block Group	2
Census Block	2004
Census Tract	950301

Owner

Source: Upshur County records, as of October 20, 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	1892 CARDINAL RD, GILMER, TX 75645-7481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage TEXAS BANK AND TRUST CO
Nov 24, 2021	Deed of Trust, Mortgage · Construction Mortgage TEXAS BANK AND TRUST CO
Apr 6, 2021	Vendor's Lien, Transfer · ARM EASTMAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	20212479
Prior Transfer Date	Apr 5, 2021
Prior Transfer Doc	0202102479
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	1892 CARDINAL RD, GILMER, TX 75645-7481
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202206488
Date	Aug 4, 2022
Instrument	202206488

Lender

Name	TEXAS BANK AND TRUST CO
Type	Bank
Address	LONGVIEW, TX 75601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 26, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	1892 CARDINAL RD, GILMER, TX 75645-7481
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202109342
Date	Nov 24, 2021
Instrument	202109342

Lender

Name	TEXAS BANK AND TRUST CO
Type	Bank
Address	LONGVIEW, TX 75601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 23, 2022

April 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	UPSHUR TX
Recording Date	Apr 6, 2021
Property Address	1892 CARDINAL RD, GILMER, TX 75645-7481
Document Number	0202102479
Map Reference	VOL 5 PG 129
Instrument Date	Apr 5, 2021
Instrument	202102479
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	USTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3803 KILLINGSWORTH CIR, LONGVIEW, TX 75604-1200

Mortgage

Document Number	0202102480
Date	Apr 6, 2021
Instrument	202102480

Lender

Name	EASTMAN CU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.25%
Index	1-Year CMT
Margin	3
Max Rate	9.25%

Tax Assessment & Valuation

Source: Upshur County assessment roll, as of October 16, 2026

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
2026	$8,576.00 (+16.97%) Homeowner's exemption	$566,443 (-7.42%) Land $96,836 Building $469,607	$566,443 (-7.42%) Land $96,836 Building $469,607
2025	$7,332.00 (+1,168.51%) Homeowner's exemption	$611,820 (+3%) Land $44,420 Building $567,400	$611,820 (+3%) Land $44,420 Building $567,400
2023		$593,980 Land $44,420 Building $549,560	$593,980 Land $44,420 Building $549,560
2022	$578.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 58% of the US · above 40% 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	BI COUNTY WSC 1 serves 12,777 people · EPA ID TX0320002
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Etex Telephone Fiber	1,000 / 1,000

May also be available: Verizon.

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