228 Cypress Dr, Karnack, TX 75661 Property Records

Harrison County property record for 228 Cypress Dr, Karnack, TX 75661

Property Summary

Property Type	Single Family Home
Details	1,512 sqft · built 2019
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,900 (Jun 2023)
Tax Bill	$3,239 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`R010096531`

Property Details

APN / Parcel Number

Primary APN	`R010096531`
Alternative APN	`00878.00085.00005.000000`

Interior

Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	50,965 sqft (1.17 acres)
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Boat House	3,189 sqft

Location & Zoning

Account Number	R010096531
Street Address	228 CYPRESS DR
City	KARNACK
State	TX
Zip	75661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 1.170 ABST: 878 O HOPE & 885 O HOPE HSE
Legal Subdivision	JN ADAMS SURVEY A-33
Jurisdiction	HARRISON TX
Township / Civil Division	WASKOM
Census Block Group	1
Census Block	1002
Census Tract	20105

Owner

Source: Harrison County records, as of May 27, 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 Record	2 Individual Names on Record
Mailing Address	132 RUTLAND DR, HALLSVILLE, TX 75650-6213
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage CORNERSTONE HM LNDG
Feb 22, 2019	Deed of Trust, Mortgage TEXAS BK
Feb 11, 2019	Loan Modification, Mortgage TEXAS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON TX
Property Address	242 CYPRESS DR, KARNACK, TX 75661-1434
Document Number	0000004427
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 CYPRESS DR KARNACK TX 75661, KARNACK, TX 75661

Mortgage

Document Number	0000004427
Date	Apr 21, 2020
Instrument	4427

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON TX
Property Address	242 CYPRESS DR, KARNACK, TX 75661-1434
Document Number	0000002078
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	CENTRALAND TITLE COMPANY, CENTRALAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 CYPRESS DR KARNACK TX 75661, KARNACK, TX 75661

Mortgage

Document Number	0000002078
Date	Feb 25, 2019
Instrument	2078

Lender

Name	TEXAS BK
Type	Bank
Address	LONGVIEW, TX 75601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 24, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	242 CYPRESS DR, KARNACK, TX 75661-1434
Document Number	0000002060
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 RUTLAND DR HALLSVILLE TX 756506213, HALLSVILLE, TX 75650-6213

Mortgage

Document Number	0000002060
Date	Feb 25, 2019
Instrument	2060

Lender

Name	TEXAS BK
Type	Bank
Address	LONGVIEW, TX 75606

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 24, 2020

Interest

Rate	5%

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Harrison County
Municipality	Uncertain City
Unified School District	Karnack Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,239.00 (+60.74%)	$314,920 (+17.16%) Land $36,110 Building $278,810	$314,920 (+17.16%) Land $36,110 Building $278,810
2024	$2,015.00 (-21.41%)
2023	$2,564.00	$268,790 Land $41,270 Building $227,520	$268,790 Land $41,270 Building $227,520

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 September 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	26 (2016–2024)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Mar 2016 · 12 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	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.06% 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	CADDO LAKE WSC serves 1,230 people · EPA ID TX1020019
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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

Cell Coverage

No cell data coverage reported

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