Houston County property record for 221 Mainer St, Lovelady, TX 75851
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,046 sqft · built 1974 |
| Lot Size | 0.574 acres (25,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,300 (Aug 2018) |
| Tax Bill | $3,107 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05600-00600-00000-000000 |
| Primary APN | 05600-00600-00000-000000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,046 sqft Total Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 25,003 sqft (0.574 acres) |
| Lot Dimensions | 125 ft deep x 200 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 434 sqft |
| Patio Area | 80 sqft |
| Account Number | 8146 |
|---|---|
| Street Address | 221 MAINER ST |
| City | LOVELADY |
| State | TX |
| Zip | 75851 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOVELADY LOTS 7-8-9-10 BLK 7 |
| Legal Subdivision | LOVELADY |
| Legal Block | 7 |
| Legal Lot Number | 7-10 |
| Jurisdiction | HOUSTON TX |
| Township / Civil Division | LOVELADY |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 950700 |
221 Mainer St is owned and occupied by two individuals who bought it in August 2018.
Source: Houston County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 421, LOVELADY, TX 75851-0421 |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Aug 3, 2018 | Vendor's Lien, Transfer · FHA Mortgage FIRST FINANCIAL BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2018 · Amount on File |
| Deed Sale | Aug 3, 2018 · Amount on File |
| Prior Sale | Nov 3, 2016 · Amount on File |
| Deed Document Number | 20182278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON TX |
| Property Address | 221 MAINER ST, LOVELADY, TX 75851 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | MORTGAGE CONNECT LP, MORTGAGE CONNECT OF TX LLC |
| Name | Verified Name |
|---|---|
| Address | 221 MAINER ST, LOVELADY, TX 75851 |
| Document Number | 0020231192 |
|---|---|
| Date | Apr 17, 2023 |
| Instrument | 20231192 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 273 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON TX |
| Property Address | 221 MAINER ST, LOVELADY, TX 75851 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | TIMIOS |
| Name | Verified Name |
|---|
| Document Number | 2100054 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2100054 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 1, 2046 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HOUSTON TX |
| Recording Date | Aug 3, 2018 |
| Property Address | 221 MAINER ST, LOVELADY, TX 75851 |
| Document Number | 1802278 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 1802278 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 MAINER ST, 221, LOVELADY, TX 75851 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 421, LOVELADY, TX 75851-0421 |
| Document Number | 1802279 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 1802279 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2026 property tax bill for 221 Mainer St was $3,107 with a homeowner's exemption, up 296.3% from the year before.
Source: Houston County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Houston County |
| Municipality | Lovelady City |
| Unified School District | Lovelady Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,107.00 (+296.3%) | $175,930 (-5.23%) | $185,630 (-) Land $8,000 Building $177,630 |
| 2025 | $784.00 Homeowner's exemption | $185,630 Land $8,000 Building $177,630 | $185,630 Land $8,000 Building $177,630 |
| 2023 | $166,210 Land $8,000 Building $158,210 | $166,210 Land $8,000 Building $158,210 | |
| 2022 | $663.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Mainer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 4, 2011 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2015–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 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 risk around 221 Mainer St is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 82% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LOVELADY serves 990 people · EPA ID TX1130003 |
|---|---|
| Water Source | Purchased surface water from HOUSTON COUNTY WCID 1 |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Aug 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Windstream DSL | 200 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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