2109 Lake Side, Bonham, TX 75418 Property Records

Fannin County property record for 2109 Lake Side, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,504 sqft · built 1999
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,773 (2024)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9581-000-0030-05`

Property Details

APN / Parcel Number

Primary APN	`9581-000-0030-05`
Alternative APN	`92787`

Interior

Full Baths	2.5 Baths
Building Area	2,504 sqft Living Area
1st Floor Area	2,504 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick
Lot Area	78,408 sqft (1.8 acres)
Garage Type	Attached
Garage Area	650 sqft

Exterior Amenities

Pool Area	525 sqft
Porch	Porch
Porch Area	1,253 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	9581-000-0030-05
Old Parcel Number	92787
Street Address	2109 LAKE SIDE
City	BONHAM
State	TX
Zip	75418-5246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE MEADOWS ADDN, LOT 3, ACRES 1.8
Legal Subdivision	THE MEADOWS ADD
Legal Lot Number	3
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	1
Census Block	1009
Census Tract	950402

Owner

Source: Fannin County records, as of November 17, 2025

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	2109 LAKE SIDE, BONHAM, TX 75418-5246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 1997
Deed Sale	Dec 22, 1997
Deed Document Number	0000862602
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	2109 LAKE SIDE, BONHAM, TX 75418-5246
Transaction Type	Mortgage
Record Updated	Jul 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-1656
Date	Mar 28, 2017
Book Page	1943/0240
Instrument	2017-1656

Lender

Name	FIRST NATIONAL BANK OF TRENTON
Type	Bank
Address	TRENTON, TX 75490

Agreement

Type	ARM
Amount	Amount Recorded
Term	174 Months
Due	Sep 7, 2031

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Sep 7, 2021
Change Frequency	Annually
Min Rate At Change	9%
Max Rate At Change	12.6%
Index	1-Year LIBOR
Max Rate	12.6%

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Unified School District	Bonham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$632,990 (+5.25%) Land $213,840 Building $419,150	$632,990 (+5.25%) Land $213,840 Building $419,150
2024	$3,773.00 (-32.72%)
2023		$601,410 Land $199,800 Building $401,610	$601,410 Land $199,800 Building $401,610
2018	$5,608.00

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 June 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1990–2019)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Feb 2019 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2018 · 2 claims

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 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.02% 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	CITY OF BONHAM serves 10,746 people · EPA ID TX0740001
Water Source	Purchased surface water from NORTH TEXAS MWD - BONHAM WTP
Last State Inspection	Mar 2024
Lead	Under 1 ppb (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	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50

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

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