2322 FM 2946, Emory, TX 75440 Property Records

Rains County property record for 2322 FM 2946, Emory, TX 75440

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,080 sqft · built 2017
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Oct 2024 Reverse Mortgage Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2620-0000-0300-43`

Property Details

APN / Parcel Number

Primary APN	`2620-0000-0300-43`
Alternative APNs	`R32087` `32087`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Metal
Lot Area	62,291 sqft
Lot Dimensions	280 ft deep x 226 ft wide
Garage Type	Carport
Garage Area	552 sqft
Carport	Carport
Carport Area	552 sqft
Porch	Porch
Porch Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26200000030043
Street Address	2322 FM 2946
City	EMORY
State	TX
Zip	75440-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINSON SPRINGS, LOT 30, ACRES 1.43
Legal Subdivision	PINSON SPGS
Legal Block	2
Legal Lot Number	30
Jurisdiction	RAINS TX
Township / Civil Division	EMORY
Census Block Group	2
Census Block	2005
Census Tract	950101

Owner

Source: Rains County records, as of September 22, 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	2322 FM 2946, EMORY, TX 75440-4400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2024	Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC
Nov 18, 2025	Warranty Deed, Transfer
Nov 30, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025
Deed Sale	Nov 18, 2025
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	20253070
Prior Transfer Date	Nov 21, 2018
Prior Transfer Doc	02018/2581
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAINS TX
Property Address	2322 FM 2946, EMORY, TX 75440-4400
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 FM 2946, EMORY, TX 75440-4400

Mortgage

Document Number	02024/2204
Date	Oct 16, 2024
Book Page	2024/2204

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	10.6%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAINS TX
Recording Date	Nov 18, 2025
Property Address	2322 FM 2946, EMORY, TX 75440-4400
Document Number	02025/3070
Book / Page	2025 / 3070
Instrument Date	Nov 14, 2025
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 FM 2946, EMORY, TX 75440-4400

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RAINS TX
Recording Date	Nov 30, 2018
Property Address	2322 FM 2946, EMORY, TX 75440-4400
Document Number	02018/2581
Book / Page	2018 / 2581
Map Reference	VOL 5 PG 102
Instrument Date	Nov 21, 2018
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 FM 2946, EMORY, TX 75440-4400

Mortgage

Document Number	0020182582
Date	Nov 30, 2018
Instrument	2018/2582

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Rains County assessment roll, as of September 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$335,872 (+0.03%) Land $37,538 Building $298,334	$335,872 (+0.03%) Land $37,538 Building $298,334
2025	$1,690.00 (-59.69%) Homeowner's exemption Senior Citizen's exemption	$335,758 (+0.26%) Land $36,465 Building $299,293	$335,758 (+0.26%) Land $36,465 Building $299,293
2024	$4,193.00 (+48.64%) Homeowner's exemption Senior Citizen's exemption	$334,891 (+8.51%) Land $36,465 Building $298,426	$334,891 (+8.51%) Land $36,465 Building $298,426
2023		$308,620 Land $35,750 Building $272,870	$308,620 Land $35,750 Building $272,870
2022	$2,821.00

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 8, 2015 · 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	1 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	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.07% 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	BRIGHT STAR-SALEM SUD serves 7,308 people · EPA ID TX2500015
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fixed Wireless	500 / 60
Point Broadband Fixed Wireless	40 / 40

May also be available: Frontier, Nextlink, Spectrum.

Nearby Properties on FM 2946

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