2109 Whitewater Dr, Bertram, TX 78605 Property Records

Burnet County property record for 2109 Whitewater Dr, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	2,171 sqft · built 2018
Lot Size	1.81 acres (78,844 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,208 (Jan 2026)
Tax Bill	$5,809 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08530-0200-00099-000`

Property Details

APN / Parcel Number

Primary APN	`08530-0200-00099-000`
Alternative APN	`63603`

Interior

Stories	1 Story
Building Area	2,171 sqft Living Area
Gross Area	2,645 sqft
1st Floor Area	2,171 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	78,844 sqft
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	348 sqft
Deck Area	288 sqft
Canopy	80 sqft

Location & Zoning

Street Address	2109 WHITEWATER DR
City	BERTRAM
State	TX
Zip	78605-4170
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S8530 WHITEWATER SPRINGS LOT 99, SEC 2
Legal Subdivision	WHITEWATER SPRINGS
Legal Block	2
Legal Lot Number	99
Jurisdiction	BURNET TX
Township / Civil Division	BURNET
Census Block Group	2
Census Block	2050
Census Tract	960402

Owner

Source: Burnet County records, as of September 9, 2026

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 WHITEWATER DR, BERTRAM, TX 78605-4170
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Sep 4, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 2, 2026	Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 14, 2023	Vendor's Lien, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2019	Vendor's Lien, Transfer CORNERSTONE HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2026 · Amount on Record
Deed Sale	Jan 2, 2026 · Amount on Record
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	202635
Prior Transfer Date	Apr 5, 2019
Prior Transfer Doc	0201903366
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	UNKNOWN, ITC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202014070
Date	Oct 28, 2020
Instrument	202014070

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170

Mortgage

Document Number	0202408865
Date	Sep 4, 2024
Instrument	202408865

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Sep 1, 2053

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Jan 2, 2026
Property Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Document Number	0202600035
Map Reference	CAB 2 SL 120D-124A
Instrument Date	Jan 2, 2026
Instrument	202600035
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Investor	Possibly a Property Investor

Mortgage

Document Number	0202600036
Date	Jan 2, 2026
Instrument	202600036

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Sep 14, 2023
Property Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Document Number	0202309331
Map Reference	CAB 2 PG 120D
Instrument Date	Sep 12, 2023
Instrument	202309331
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170

Mortgage

Document Number	0202309332
Date	Sep 14, 2023
Instrument	202309332

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Apr 5, 2019
Property Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170
Document Number	0201903366
Map Reference	CAB 2 SL 120-D
Instrument Date	Apr 5, 2019
Instrument	201903366
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 622, LIBERTY HILL, TX 78642-0622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WHITEWATER DR, BERTRAM, TX 78605-4170

Mortgage

Document Number	0201903367
Date	Apr 5, 2019
Instrument	201903367

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$540,627 (+0.64%) Land $102,862 Building $437,765	$540,627 (+0.64%) Land $102,862 Building $437,765
2025	$5,809.00 (-27.88%) Homeowner's exemption	$537,177 (-17.62%) Land $99,412 Building $437,765	$537,177 (-17.62%) Land $99,412 Building $437,765
2024	$8,055.00 (-7.38%)
2023	$8,697.00 (-2.05%)	$652,084 (+11.81%) Land $112,220 Building $539,864	$652,084 (+11.81%) Land $112,220 Building $539,864
2022	$8,879.00	$583,191 Land $112,220 Building $470,971	$583,191 Land $112,220 Building $470,971

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 8, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · Severe Storms, 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 Risk	High above 76% of the US · above 68% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 System	WHITEWATER SPRINGS WATER SYSTEM private · serves 450 people · EPA ID TX0270124
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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