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205 Oak Tree Dr, Graford, TX 76449 Property Records

Palo Pinto County property record for 205 Oak Tree Dr, Graford, TX 76449

Property Summary

Property TypeSingle Family Home
Details1,872 sqft · built 2010
Lot Size0.401 acres (17,468 sqft)
Owner2 Individual Names on Record
Last Sale$331,900 (May 2021)
Tax Bill$2,785 (2025)
Deeds & MortgagesDec 2025 Line of Credit
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNR000012345

Property Details

APN / Parcel Number

Primary APNR000012345
Alternative APN
  • 110244000

Interior

Building Area1,872 sqft Living Area

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Lot Area17,468 sqft (0.401 acres)
Garage Area483 sqft
PorchPorch
Porch Area480 sqft
Patio Area378 sqft

Location & Zoning

Account NumberR000012345
Street Address205 OAK TREE DR
CityGRAFORD
StateTX
Zip76449-5049
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLIFFS PHASE I LOT 224 G#C0250-01-02240-000-00-0
Legal SubdivisionCLIFFS PHASE I
Legal Phase1
Legal Lot Number224
JurisdictionPALO PINTO TX
Township / Civil DivisionSTRAWN-GORDON
Census Block Group2
Census Block2017
Census Tract200

Owner

Source: Palo Pinto County records, as of August 25, 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 Record2 Individual Names on Record
Mailing Address205 OAK TREE DR, GRAFORD, TX 76449-5049
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 2, 2025Deed of Trust, Mortgage · Line of Credit
CREDIT UNION OF TEXAS
May 28, 2021Vendor's Lien, Transfer · Conventional Mortgage
UNION SQUARE FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 28, 2021 · Amount on Record
Deed SaleMay 28, 2021 · Amount on Record
Prior SaleJan 19, 2010
Deed Document Number20213660
Deed Book / Page2379 / 255
Prior Transfer DateMay 25, 2021
Prior Transfer Doc002379/255
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPALO PINTO TX
Property Address205 OAK TREE DR, GRAFORD, TX 76449-5049
Transaction TypeMortgage
Record UpdatedJan 20, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002621/470
DateDec 2, 2025
Book Page2621/470
Instrument2025-00006795
Lender
NameCREDIT UNION OF TEXAS
TypeCredit Union
AddressALLEN, TX 75013
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueDec 5, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionPALO PINTO TX
Recording DateMay 28, 2021
Property Address205 OAK TREE DR, GRAFORD, TX 76449-5049
Document Number002379/255
Book / Page2379 / 255
Map ReferenceVOL 7 PG 22
Instrument DateMay 25, 2021
Instrument2021-00003660
Transaction TypeTransfer
Record UpdatedDec 14, 2023
Title CompanyEAGLE TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6336 WAVERLY WAY, FORT WORTH, TX 76116-5519

Transferred To (Grantee/Buyer)

NameVerified Name
Address906 CACTUS DR, OLNEY, TX 76374-2006

Mortgage

Document Number202100003661
DateMay 28, 2021
Instrument2021-00003661
Lender
NameUNION SQUARE FCU
TypeCredit Union
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTexas
CountyPalo Pinto County
Unified School DistrictPalo Pinto Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,785.00 (-15.01%) Homeowner's exemption Senior Citizen's exemption$450,770 (+34.72%) Land $33,190 Building $417,580$450,770 (+34.72%) Land $33,190 Building $417,580
2024$3,277.00 (+2.47%)
2023$3,198.00 (-37.61%)$334,610 Land $30,910 Building $303,700$334,610 Land $30,910 Building $303,700
2022$5,126.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims1 (2015)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 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 RiskModerate
above 64% of the US · above 50% of Texas
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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 SystemTHE CLIFFS
private · serves 1,115 people · EPA ID TX1820061
Water SourceSurface water
Last State InspectionApr 2025
LeadUnder 1 ppb (2026)
action level 15 ppb
Copper1.86 mg/L (2020)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityTurbidity
resolved · Jun 2025
Treatment failure
resolved · Jan 2024
Total trihalomethanes
resolved · Jan 2024
Treatment and ProcedureCorrosion control
Apr 2018
Lead public education
Dec 2017
Monitoring and Reporting24
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 29 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Nextlink
Fixed Wireless		300 / 75
New Source Broadband
Fixed Wireless		100 / 50
T-Mobile
Fixed Wireless		25 / 3

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