231 E Water, Milford, TX 76670 Property Records

Ellis County property record for 231 E Water, Milford, TX 76670

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,403 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Tax Bill	$1,693 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R245295`

Property Details

APN / Parcel Number

Primary APN	`R245295`
Alternative APNs	`58622490100600109` `245295`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,403 sqft Living Area
Gross Area	1,934 sqft
1st Floor Area	1,403 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	231 E WATER
City	MILFORD
State	TX
Zip	76670-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK A MILL CREEK ESTATES ADDN 0.15 AC
Legal Subdivision	MILL CREEK ESTATES ADDN
Legal Block	A
Legal Lot Number	6
Jurisdiction	ELLIS TX
Township / Civil Division	ITALY
Census Block Group	2
Census Block	2093
Census Tract	61000

Owner

Source: Ellis County records, as of September 3, 2026

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	PO BOX 338, ITALY, TX 76651-0338
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NQM FUNDING LLC
Jul 21, 2020	Grant Deed, Construction Loan · Construction Mortgage KAMINSKI HOLDINGS INC
Oct 5, 2017	Deed of Trust, Mortgage GRAHAM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2023
Deed Sale	Mar 16, 2023
Prior Sale	Mar 16, 2023
Deed Document Number	20237052
Prior Transfer Date	Mar 4, 2008
Prior Transfer Doc	0000006252
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	231 E WATER, MILFORD, TX 76670-1022
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	WESTLAND TITLE COMPANY, EASTLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 WHITE ROCK RD, ITALY, TX 76651

Mortgage

Document Number	0002606021
Date	Feb 23, 2026
Instrument	2606021

Lender

Name	NQM FUNDING LLC
Type	Mortgage Company
Address	4800 N FEDERAL HWY STE E200, BOCA RATON, FL 33431

Agreement

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

July 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ELLIS TX
Recording Date	Jul 21, 2020
Property Address	103 W WATER, MILFORD, TX 76670-1196
Document Number	0000024439
Instrument Date	Jul 17, 2020
Instrument	24439
Transaction Type	Construction Loan
Record Updated	Aug 19, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2633 MCKINNEY AVE #130-245 DALLAS TX 752042581, 130-24, DALLAS, TX 75204-2581

Mortgage

Document Number	24440
Date	Jul 21, 2020
Instrument	24440

Lender

Name	KAMINSKI HOLDINGS INC
Address	PO BOX 1764, ADDISON, TX 75001-1764

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 20, 2021

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	103 W WATER, MILFORD, TX 76670-1196
Document Number	0000028864
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6304 PIPER ST PLANO TX 750936513, PLANO, TX 75093-6513

Mortgage

Document Number	0000028864
Date	Oct 10, 2017
Instrument	28864

Lender

Name	GRAHAM MTG
Type	Mortgage Company
Address	DALLAS, TX 75219

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$242,770 (+135.93%) Land $45,000 Building $197,770	$242,770 (+2.87%) Land $45,000 Building $197,770
2025	$1,693.00 (+21.62%)	$102,899 (+243%) Land $40,000 Building $196,002	$236,002 (+686.67%) Land $40,000 Building $196,002
2024	$1,392.00 (+248.87%)
2023		$30,000 Land $30,000	$30,000 Land $30,000
2018	$399.00

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 9, 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	5 in force

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	0.04% 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 MILFORD serves 796 people · EPA ID TX0700006
Water Source	Purchased surface water from FILES VALLEY WSC
Last State Inspection	Nov 2024
Lead	4 ppb (2024) 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	9 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Rise Broadband Fiber	1,000 / 200
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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