281 Spencer Rd, Wharton, TX 77488 Property Records

Wharton County property record for 281 Spencer Rd, Wharton, TX 77488

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft · built 1945
Lot Size	1.88 acres (81,893 sqft)
Owner	Individual Name on Record
Tax Bill	$503 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan Jun 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20064-000-316-00`

Property Details

APN / Parcel Number

Primary APN	`20064-000-316-00`
Alternative APNs	`R035065` `35065`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	81,893 sqft
Deck Area	Deck Area
Patio Area	288 sqft

Location & Zoning

Account Number	2006400031600
Street Address	281 SPENCER RD
City	WHARTON
State	TX
Zip	77488-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A20064 ABST.64 TRACT 65C
Legal Tract	65C
Legal Block	4
Jurisdiction	WHARTON TX
Township / Civil Division	EAST BERNARD
Census Block Group	4
Census Block	4116
Census Tract	740100

Owner

Source: Wharton County records, as of September 22, 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	295 SPENCER RD, WHARTON, TX 77488-1138
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Construction Mortgage PLANET HOME LENDING LLC
Jun 6, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHARTON TX
Property Address	281 SPENCER RD, WHARTON, TX 77488-1138
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	GREAT AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 SPENCER RD, WHARTON, TX 77488-1138

Mortgage

Document Number	001416/245
Date	Mar 11, 2026
Book Page	1416/245
Instrument	2026-00001259

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	366 Months
Due	Sep 1, 2056

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHARTON TX
Recording Date	Jun 6, 2025
Property Address	281 SPENCER RD, WHARTON, TX 77488-1138
Document Number	001385/618
Book / Page	1385 / 618
Map Reference	VOL 165 PG 401
Instrument Date	May 7, 2025
Instrument	2025-00002920
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	295 SPENCER RD, WHARTON, TX 77488-1138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 SPENCER RD, WHARTON, TX 77488-1138

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Wharton County
Unified School District	El Campo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,040 (-) Land $29,140 Building $900	$30,040 (-) Land $29,140 Building $900
2025	$503.00 (-62.49%)	$30,040 (-66.7%) Land $29,140 Building $900	$30,040 (-66.7%) Land $29,140 Building $900
2023		$90,204 Land $58,374 Building $31,830	$90,204 Land $58,374 Building $31,830
2022	$1,341.00

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 September 29, 2024 · 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
Flood Insurance Cost	Premium on Record median of 33 policies
Nearby Flood Policies	33 in force
Nearby Flood Claims	26 (2015–2017)
Claims Outside the SFHA	2 of 26
Most Recent Claim	Sep 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Sep 2017 · 20 claims Severe Storms And Flooding, Apr 2016 · 2 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 61% of the US · above 44% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skynet Fixed Wireless	100 / 50
Verizon Fixed Wireless	25 / 6

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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