Grayson County property record for 1990 Whispering Oaks St, Tom Bean, TX 75489
| Property Type | Rural Home |
|---|---|
| Details | 3,310 sqft · built 2004 |
| Lot Size | 1 acres (43,908 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $1,939 (2024) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 237 085502038 |
| Primary APN | 237 085502038 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,310 sqft Living Area |
| Gross Area | 4,007 sqft |
| 1st Floor Area | 3,310 sqft |
| Upper Floors Area | 1,424 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 43,908 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 697 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 1,178 sqft |
| Account Number | 228849 |
|---|---|
| Street Address | 1990 WHISPERING OAKS ST |
| City | TOM BEAN |
| State | TX |
| Zip | 75489-5004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | G-0855 MCKINNEY ROBERT A-G0855, ACRES 1.008 |
| Legal Subdivision | MCKINNEY ROBERT A-G0855 |
| Jurisdiction | GRAYSON TX |
| Township / Civil Division | EAST GRAYSON |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 1802 |
The current owner of 1990 Whispering Oaks St acquired it in March 2004.
Source: Grayson County records, as of October 20, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 1, TOM BEAN, TX 75489-0001 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST OPTION MORTGAGE LLC |
| May 18, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2004 |
| Deed Sale | Mar 31, 2004 |
| Deed Document Number | 0007904 |
| Deed Book / Page | 03637 / 00254 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYSON TX |
| Property Address | 1990 WHISPERING OAKS ST, TOM BEAN, TX 75489-5004 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000032991 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 2021-00032991 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30339 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYSON TX |
| Property Address | 1990 WHISPERING OAKS ST, TOM BEAN, TX 75489-5004 |
| Document Number | 0000012212 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1990 WHISPERING OAKS ST TOM BEAN TX 754895004, TOM BEAN, TX 75489-5004 |
| Document Number | 0000012212 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 12212 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | May 21, 2040 |
Source: Grayson County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Grayson County |
| Unified School District | Tom Bean Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $405,768 Land $33,879 Building $371,889 | $405,768 Land $33,879 Building $371,889 | |
| 2024 | $1,939.00 | ||
| 2023 | $386,582 Land $38,881 Building $347,701 | $386,582 Land $38,881 Building $347,701 | |
| 2022 | $3,204.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1990 Whispering Oaks St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 13, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1990 Whispering Oaks St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 71% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF TOM BEAN serves 799 people · EPA ID TX0910008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rise Broadband Fixed Wireless | 300 / 60 |
| Starlink Satellite | 280 / 30 |
May also be available: TekWav, Verizon.
5G and 4G LTE (outdoors only)
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