20120 N FM 486, Cameron, TX 76520 Property Records

Milam County property record for 20120 N FM 486, Cameron, TX 76520

Property Summary

Property Type	Rural Home
Details	2,594 sqft · built 1971
Lot Size	25 acres (1,090,307 sqft)
Owner	Individual Name on File
Last Sale	$332,800 (Jun 2020)
Tax Bill	$4,849 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2020 Transfer + 1 more
APN	`A043-145-248-00`

Property Details

APN / Parcel Number

Primary APN	`A043-145-248-00`
Alternative APN	`R13972`

Interior

Building Area	2,594 sqft Living Area
Gross Area	8,994 sqft
1st Floor Area	1,602 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Roof Type	Hip
Lot Area	1,090,307 sqft (25 acres)
Garage Area	630 sqft
Porch	Porch
Porch Area	162 sqft
Deck Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	A043-145-248-00
Street Address	20120 N FM 486
City	CAMERON
State	TX
Zip	76520-3520
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0430 DE PENA, J.A.,25.03 ACRES
Jurisdiction	MILAM TX
Township / Civil Division	CAMERON
Census Block Group	1
Census Block	1045
Census Tract	950402

Owner

20120 N FM 486, a rural home, is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	20120 N FM 486, CAMERON, TX 76520-3520
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
May 28, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jul 22, 2020	Correction Deed CORPORATION SERVICES COMPANY, CORPORATION SERVICE COMPANY
Jun 29, 2020	Vendor's Lien, Transfer · VA Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Prior Sale	May 9, 2013 · Amount on File
Deed Document Number	20202413
Prior Transfer Date	Oct 15, 2018
Prior Transfer Doc	0000017690
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILAM TX
Recording Date	May 28, 2026
Property Address	20120 N FM 486, CAMERON, TX 76520-3520
Document Number	0000002421
Instrument Date	May 19, 2026
Instrument	20262421
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20120 N FM 486, CAMERON, TX 76520-3520
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002421,
Date	May 28, 2026
Instrument	20262421

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.23%
Max Rate	-1%

July 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	MILAM TX
Recording Date	Jul 22, 2020
Property Address	20120 N FM 486, CAMERON, TX 76520-3520
Document Number	0000002775
Instrument Date	Jul 21, 2020
Instrument	2775
Record Updated	Sep 5, 2022
Title Company	CORPORATION SERVICES COMPANY, CORPORATION SERVICE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20120 N FM 486, CAMERON, TX 76520-3520
Investor	Possibly a Property Investor

June 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MILAM TX
Recording Date	Jun 29, 2020
Property Address	20120 N FM 486, CAMERON, TX 76520-3520
Document Number	0000002413
Map Reference	VOL 407 PG 230
Instrument Date	Jun 26, 2020
Instrument	2413
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	828 COUNTY ROAD 218, 828, CAMERON, TX 76520-3607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 ROYAL CREST DR APT 3232, 3232, AUSTIN, TX 78741-2746
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002414
Date	Jun 29, 2020
Instrument	2414

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 20120 N FM 486 was $4,849 with exemptions applied.

Source: Milam County assessment roll, as of January 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Milam County
Unified School District	Cameron Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,849.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$496,283	$635,080 Land $250,300 Building $384,780
2023		$231,325	$659,170 Land $400,480 Building $258,690

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 20120 N FM 486; there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Jul 2008 · rainfall accumulation

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 20120 N FM 486 is moderate, ranking above 46% of the US, with a 0.09% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SALEM ELM RIDGE WSC serves 1,371 people · EPA ID TX1660013
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Nov 2016
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform assessment Sep 2016
Monitoring and Reporting	2 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 200
Verizon Fixed Wireless	300 / 20
SOS Communications Fixed Wireless	100 / 20
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	100 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N FM 486

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