207 W Elm St, Howe, TX 75459 Property Records

Grayson County property record for 207 W Elm St, Howe, TX 75459

Property Summary

Property Type	Single Family Home
Details	1,562 sqft · built 2018
Lot Size	0.347 acres (15,115 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Dec 2020)
Tax Bill	$4,490 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`H004 054404001`

Property Details

APN / Parcel Number

Primary APN	`H004 054404001`
Alternative APN	`152613`

Interior

Stories	1 Story
Building Area	1,562 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,562 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Lot Area	15,115 sqft (0.347 acres)
Lot Dimensions	149 ft deep x 101 ft wide
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	27 sqft

Location & Zoning

Street Address	207 W ELM ST
City	HOWE
State	TX
Zip	75459-4728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0544 HAINING J A-G0544, ACRES .347
Legal Subdivision	HAINING J A-G0544
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	3
Census Block	3013
Census Tract	1801

Owner

Source: Grayson County records, as of August 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	207 W ELM ST, HOWE, TX 75459-4728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 18, 2020	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 30, 2019	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jun 25, 2019	Loan Modification, Mortgage INDEPENDENT BK
Jun 26, 2018	Quit Claim Deed, Mortgage INDEPENDENT BK
Jun 7, 2017	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	202035309
Prior Transfer Date	Jun 25, 2018
Prior Transfer Doc	0000014269
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W ELM ST, HOWE, TX 75459-4728

Mortgage

Document Number	0000026996
Date	Oct 2, 2020
Instrument	2020-00026996

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Sep 1, 2049

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Dec 18, 2020
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Document Number	0000035309
Instrument Date	Dec 17, 2020
Instrument	2020-00035309
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 201, MC KINNEY, TX 75070-8134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W ELM ST, HOWE, TX 75459-4728

Mortgage

Document Number	0000035310
Date	Dec 18, 2020
Instrument	2020-00035310

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Aug 30, 2019
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Document Number	0000021094
Instrument Date	Aug 30, 2019
Instrument	2019-00021094
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4613 LIBERTY HILL TRL, 4613, SHERMAN, TX 75092-3933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 W ELM ST, HOWE, TX 75459-4728

Mortgage

Document Number	0000021095
Date	Aug 30, 2019
Instrument	2019-00021095

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRAYSON TX
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Document Number	0000018383
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4613 LIBERTY TRL SHERMAN TX 75092, SHERMAN, TX 75092

Mortgage

Document Number	0000018383
Date	Aug 2, 2019
Instrument	18383

Lender

Name	INDEPENDENT BK
Type	Bank
Address	SHERMAN, TX 75091-0788

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 1, 2020

June 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	GRAYSON TX
Recording Date	Jun 26, 2018
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Document Number	0000014269
Instrument Date	Jun 25, 2018
Instrument	14269
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	RED RIVER TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4613 LIBERTY TRL SHERMAN TX 75092, SHERMAN, TX 75092

Mortgage

Document Number	14270
Date	Jun 26, 2018
Instrument	14270

Lender

Name	INDEPENDENT BK
Type	Bank
Address	SHERMAN, TX 75091-0788

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Jun 7, 2017
Property Address	207 W ELM ST, HOWE, TX 75459-4728
Document Number	0000012192
Instrument Date	Jun 2, 2017
Instrument	12192
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	RED RIVER TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 W DUKE ST HOWE TX 754594560, HOWE, TX 75459-4560

Mortgage

Document Number	12193
Date	Jun 7, 2017
Instrument	12193

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Howe Town
Unified School District	Howe Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$313,005 (-17.39%)	$377,894 (-0.26%) Land $75,425 Building $302,469
2024	$4,490.00 (-2.41%)
2023		$378,886 Land $70,891 Building $307,995	$378,886 Land $70,891 Building $307,995
2022	$4,601.00

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 13, 2026 · 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	1 in force
Nearby Flood Claims	5 (2007–2025)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jun 2025 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% 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	CITY OF HOWE serves 4,548 people · EPA ID TX0910013
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
TekWav Fixed Wireless	100 / 20

May also be available: ElektraFi, Nextlink.

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