1920 Co Rd 386, Stephenville, TX 76401 Property Records

Erath County property record for 1920 Co Rd 386, Stephenville, TX 76401

Property Summary

Property Type	Rural Home
Details	1,767 sqft · built 2019
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on File
Last Sale	$516,771 (Oct 2023)
Tax Bill	$3,217 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Oct 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R000076678`

Property Details

APN / Parcel Number

Primary APN	`R000076678`
Alternative APN	`R.0613.00352.00.0`

Interior

Building Area	1,767 sqft Living Area
1st Floor Area	1,767 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	522,720 sqft (12 acres)
Patio Area	180 sqft

Location & Zoning

Account Number	R.0613.00352.00.0
Street Address	1920 COUNTY ROAD 386
City	STEPHENVILLE
State	TX
Zip	76401-9430
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0613 PEARSON HENRY; & MH MPHMAKE:AMERICAN HOMESTAR MPHMODEL:OAK MANOR 3356 MPHSIZE:31X56 MPHYEAR:2019 MPHSERIAL:OC012032481A
Legal Tract	1
Jurisdiction	ERATH TX
Township / Civil Division	STEPHENVILLE
Census Block Group	1
Census Block	1047
Census Tract	950203

Owner

1920 Co Rd 386, a rural home, is owned and occupied by two individuals who bought it in October 2023.

Source: Erath County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430
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
Nov 3, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 30, 2023	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 13, 2020	Vendor's Lien, Transfer · FHA Mortgage SENTE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Prior Sale	Mar 13, 2020 · Amount on File
Deed Document Number	20236026
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	0202001430
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERATH TX
Property Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430

Mortgage

Document Number	0202207677
Date	Nov 3, 2022
Instrument	2022-07677

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jul 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERATH TX
Property Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430

Mortgage

Document Number	0202405685
Date	Oct 21, 2024
Instrument	2024-05685

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

October 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ERATH TX
Recording Date	Oct 30, 2023
Property Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430
Document Number	0202306026
Map Reference	DOC 2018-06896
Instrument Date	Oct 30, 2023
Instrument	2023-06026
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CROSS TIMBERS TITLE COMPANY, CROSS TIMBERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	365 COUNTY ROAD 156A, DE LEON, TX 76444-1557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430

Mortgage

Document Number	0202306027
Date	Oct 30, 2023
Instrument	2023-06027

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	Nov 1, 2053

March 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ERATH TX
Recording Date	Mar 13, 2020
Property Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430
Document Number	0202001430
Map Reference	DOC 2018-06896
Instrument Date	Mar 12, 2020
Instrument	2020-01430
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CROSS TIMBERS TITLE COMPANY, CROSS TIMBERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1067 COUNTY ROAD 407, STEPHENVILLE, TX 76401-9046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 COUNTY ROAD 386, STEPHENVILLE, TX 76401-9430

Mortgage

Document Number	0202001431
Date	Mar 13, 2020
Instrument	2020-01431

Lender

Name	SENTE MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1920 Co Rd 386 was $3,217 with a homeowner's exemption, up 52.1% from the year before.

Source: Erath County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Erath County
Unified School District	Stephenville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,217.00 (+52.1%)	$252,370 (+14,078.09%) Land $21,780 Building $230,590	$470,590 (+229.08%) Land $240,000 Building $230,590
2025	$2,115.00 Homeowner's exemption	$1,780	$143,000
2023	$1,378.00 (-31.68%) Homeowner's exemption	$1,720	$220,000
2022	$2,017.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1920 Co Rd 386 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 2023 · 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	4 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 1920 Co Rd 386 is high, ranking above 83% 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 83% of the US · above 78% 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.

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)
United Electric Cooperative Services Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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