196 Harbour Town Dr, Graford, TX 76449 Property Records

Palo Pinto County property record for 196 Harbour Town Dr, Graford, TX 76449

Property Summary

Property Type	Single Family Home
Details	1,776 sqft · built 2014
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Sep 2025)
Tax Bill	$5,890 (2025)
Deeds & Mortgages	Jan 2014 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R000013505`

Property Details

APN / Parcel Number

Primary APN	`R000013505`
Alternative APN	`110252720`

Interior

Building Area	1,776 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	11,195 sqft (0.257 acres)
Garage Area	528 sqft
Porch	Porch
Porch Area	264 sqft
Patio Area	304 sqft

Location & Zoning

Account Number	R000013505
Street Address	196 HARBOUR TOWN DR
City	GRAFORD
State	TX
Zip	76449-5126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLIFFS PHASE VIII LOT 195 G#C0250-08-00000-195-00-0
Legal Subdivision	CLIFFS PHASE VIII
Legal Phase	8
Legal Lot Number	195
Jurisdiction	PALO PINTO TX
Township / Civil Division	STRAWN-GORDON
Census Block Group	2
Census Block	2047
Census Tract	200

Owner

Source: Palo Pinto County records, as of August 25, 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	1502 WALTHAM CT, ARLINGTON, TX 76012-2122
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2014	Deed of Trust, Mortgage FIRST FINANCIAL BANK NA
Sep 2, 2025	Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 8, 2022	Vendor's Lien, Transfer · Conventional Mortgage VERITEX COMMUNITY BANK
Dec 3, 2019	Vendor's Lien, Transfer · Conventional Mortgage GRAHAM SAVINGS AND LOAN SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Prior Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	20255076
Deed Book / Page	2609 / 651
Prior Transfer Date	Dec 2, 2019
Prior Transfer Doc	2296/0070
Record Updated	Oct 29, 2026

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO PINTO TX
Property Address	196 HARBOUR TOWN DR, GRAFORD, TX 76449-5126
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02054/0206
Date	Jan 27, 2014
Book Page	2054/0206
Instrument	2014-00000488

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	MINERAL WELLS, TX 76068

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2029

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PALO PINTO TX
Recording Date	Sep 2, 2025
Property Address	196 HARBOUR TOWN DR, GRAFORD, TX 76449-5126
Document Number	002609/651
Book / Page	2609 / 651
Map Reference	VOL 7 PG 50
Instrument Date	Aug 28, 2025
Instrument	2025-00005076
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4312 FAIRWAY DR, CARROLLTON, TX 75010-3232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1502 WALTHAM CT, ARLINGTON, TX 76012-2122

Mortgage

Document Number	002609/655
Date	Sep 2, 2025
Book Page	2609/655
Instrument	2025-00005077

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

July 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PALO PINTO TX
Recording Date	Jul 8, 2022
Property Address	196 HARBOUR TOWN DR, GRAFORD, TX 76449-5126
Document Number	002456/261
Book / Page	2456 / 261
Map Reference	VOL 7 PG 50
Instrument Date	Jul 5, 2022
Instrument	2022-00005030
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4609 GARDEN DELL DR, 4609, CARROLLTON, TX 75010-4246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 FAIRWAY DR, CARROLLTON, TX 75010-3232

Mortgage

Document Number	202200005031
Date	Jul 8, 2022
Instrument	2022-00005031

Lender

Name	VERITEX COMMUNITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Aug 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	9.12%

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PALO PINTO TX
Recording Date	Dec 3, 2019
Property Address	196 HARBOUR TOWN DR, GRAFORD, TX 76449-5126
Document Number	2296/0070
Book / Page	2296 / 0070
Map Reference	VOL 7 PG 50
Instrument Date	Dec 2, 2019
Instrument	2019-00005886
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	EAGLE TITLE/PALO PINTO COUNTY IN, EAGLE TITLE OF PALO PINTO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 46, GRAFORD, TX 76449-0046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 GARDEN DELL DR, CARROLLTON, TX 75010-4246

Mortgage

Document Number	201900005887
Date	Dec 3, 2019
Instrument	2019-00005887

Lender

Name	GRAHAM SAVINGS AND LOAN SSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Palo Pinto County assessment roll, as of November 3, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Palo Pinto County
Unified School District	Palo Pinto Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,890.00 (+13.93%)	$452,720 (+39.24%) Land $41,500 Building $411,220	$452,720 (+39.24%) Land $41,500 Building $411,220
2024	$5,170.00 (+17.29%)
2023	$4,408.00 (-11.5%)	$325,140 Land $31,410 Building $293,730	$325,140 Land $31,410 Building $293,730
2022	$4,981.00

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 March 3, 2024 · 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	7 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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	0.09% annual chance
Exposure	None beyond ember reach

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	THE CLIFFS private · serves 1,115 people · EPA ID TX1820061
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.86 mg/L (2020) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Turbidity resolved · Jun 2025 Treatment failure resolved · Jan 2024 Total trihalomethanes resolved · Jan 2024
Treatment and Procedure	Corrosion control Apr 2018 Lead public education Dec 2017
Monitoring and Reporting	24 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
New Source Broadband Fixed Wireless	100 / 50

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

Cell Coverage

5G (outdoors only) and 4G LTE

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