195 Pam Dr, Chico, TX 76431 Property Records

Wise County property record for 195 Pam Dr, Chico, TX 76431

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,616 sqft · built 1994
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,814 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R0600.0112.00`

Property Details

APN / Parcel Number

Primary APN	`R0600.0112.00`
Alternative APNs	`000000758801` `R000028231` `758801`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,616 sqft Living Area
1st Floor Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Roof Type	Gable
Roof Material	Other
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	161 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Carport
Garage Area	2,000 sqft
Carport	Carport
Carport Area	2,000 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	2,965 sqft
Deck Area	253 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000028231
Street Address	195 PAM DR
City	CHICO
State	TX
Zip	76431-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 1 EL LAGO ESTATES
Legal Subdivision	EL LAGO ESTATES
Legal Block	1
Legal Lot Number	12
Jurisdiction	WISE TX
Township / Civil Division	BRIDGEPORT
Census Block Group	2
Census Block	2110
Census Tract	150405

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	9001 PRATHER RD, SPRINGTOWN, TX 76082-6235
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE COMMUNITY BANK
Jun 10, 2026	Warranty Deed, Transfer GUARDIAN TITLE
Aug 15, 2023	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 13, 2022	Vendor's Lien, Transfer · Conventional Mortgage AMERIDREAM MORTGAGE GROUP LLC
Jan 27, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2026
Deed Sale	Jun 10, 2026
Prior Sale	Jan 13, 2022
Deed Document Number	20268614
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WISE TX
Property Address	195 PAM DR, CHICO, TX 76431-2011
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	WCTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 N TRINITY ST, DECATUR, TX 76234-1054

Mortgage

Document Number	0202207712
Date	May 6, 2022
Instrument	202207712

Lender

Name	THE COMMUNITY BANK
Type	Bank
Address	BRIDGEPORT, TX 76426

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Apr 29, 2023

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WISE TX
Recording Date	Jun 10, 2026
Property Address	195 PAM DR, CHICO, TX 76431-2011
Document Number	0000008614
Instrument Date	Jun 8, 2026
Instrument	20268614
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	GUARDIAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9001 PRATHER RD, SPRINGTOWN, TX 76082-6235

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WISE TX
Recording Date	Aug 15, 2023
Property Address	195 PAM DR, CHICO, TX 76431-2011
Document Number	0202311169
Map Reference	CAB A
Instrument Date	Aug 11, 2023
Instrument	202311169
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 COSTA AZUL CT, SOUTHLAKE, TX 76092-4618

Mortgage

Document Number	0202311170
Date	Aug 15, 2023
Instrument	202311170

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WISE TX
Recording Date	Jan 13, 2022
Property Address	195 PAM DR, CHICO, TX 76431-2011
Document Number	0202200693
Map Reference	CAB A PG 516
Instrument Date	Jan 7, 2022
Instrument	202200693
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 505, DECATUR, TX 76234-0339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 PAM DR, CHICO, TX 76431-2008

Mortgage

Document Number	0202200694
Date	Jan 13, 2022
Instrument	202200694

Lender

Name	AMERIDREAM MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WISE TX
Recording Date	Jan 27, 2022
Property Address	195 PAM DR, CHICO, TX 76431-2011
Document Number	0202201448
Map Reference	CAB A SEC 516
Instrument Date	Nov 12, 2021
Instrument	202201448
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2949 MAJESTIC OAK DR, GRAPEVINE, TX 76051-5627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 MAJESTIC OAK DR, GRAPEVINE, TX 76051-5627

Tax Assessment & Valuation

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		$848,844 (-0.78%) Land $220,000 Building $628,844	$848,844 (-0.78%) Land $220,000 Building $628,844
2025	$9,814.00 (+12.58%)	$855,502 (+19.68%) Land $220,000 Building $635,502	$855,502 (+19.68%) Land $220,000 Building $635,502
2024	$8,717.00 (+32.88%)
2023		$714,842 (+48.6%) Land $198,000 Building $516,842	$714,842 (+48.6%) Land $198,000 Building $516,842
2022		$481,053 Land $154,000 Building $327,053	$481,053 Land $154,000 Building $327,053
2021	$6,560.00

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 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	6 (2015–2025)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 claims

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	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
AMA TechTel Communications Fixed Wireless	100 / 20

May also be available: Rise Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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