2815 Stephens St, Vernon, TX 76384 Property Records

Wilbarger County property record for 2815 Stephens St, Vernon, TX 76384

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,127 sqft · built 1996
Lot Size	0.17 acres (7,410 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,167 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Dec 2025 Transfer + 2 more
APN	`5295-004-0000-170-3`

Property Details

APN / Parcel Number

Primary APN	`5295-004-0000-170-3`
Alternative APN	`3714001`

Interior

Full Baths	1 Bath
Building Area	2,127 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	7,410 sqft (0.17 acres)
Lot Dimensions	114 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	483 sqft
Porch	Porch
Porch Area	55 sqft
Patio Area	128 sqft

Location & Zoning

Account Number	5295-004-0000-170-3
Street Address	2815 STEPHENS ST
City	VERNON
State	TX
Zip	76384-6726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BLK 4 HIGHLAND PARK SUBD
Legal Subdivision	HIGHLAND PARK ADDITIION
Legal Block	4
Legal Lot Number	17
Jurisdiction	WILBARGER TX
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2006
Census Tract	950600

Owner

Source: Wilbarger County assessment roll, as of December 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2815 STEPHENS ST, VERNON, TX 76384-6726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit LUBBOCK NATIONAL BANK
Dec 2, 2025	Intrafamily Transfer, Transfer
May 18, 2022	Warranty Deed, Transfer
Mar 19, 2020	Vendor's Lien, Transfer · Conventional Mortgage NETWORK FUNDING LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 18, 2022
Deed Sale	May 18, 2022
Prior Sale	Mar 19, 2020 · Amount on Record
Deed Document Number	2022138747
Deed Book / Page	759 / 90
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBARGER TX
Property Address	2815 STEPHENS ST, VERNON, TX 76384-6726
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000716/276
Date	Apr 5, 2018
Book Page	716/276
Instrument	00130320

Lender

Name	LUBBOCK NATIONAL BANK
Type	Bank
Address	LUBBOCK, TX 79493

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WILBARGER TX
Recording Date	Dec 2, 2025
Property Address	2815 STEPHENS ST, VERNON, TX 76384-6726
Document Number	000798/121
Book / Page	798 / 121
Map Reference	PL 78B
Instrument Date	Nov 26, 2025
Instrument	145776
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2815 STEPHENS ST, VERNON, TX 76384-6726

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2815 STEPHENS ST, VERNON, TX 76384-6726

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILBARGER TX
Recording Date	May 18, 2022
Property Address	2815 STEPHENS ST, VERNON, TX 76384-6726
Document Number	0000759/90
Book / Page	759 / 90
Map Reference	PL 78B
Instrument Date	May 18, 2022
Instrument	138747
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2815 STEPHENS ST, VERNON, TX 76384-6726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9934 US HIGHWAY 70 S, VERNON, TX 76384-7573

March 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WILBARGER TX
Recording Date	Mar 19, 2020
Property Address	2815 STEPHENS ST, VERNON, TX 76384-6726
Document Number	000736/629
Book / Page	736 / 629
Map Reference	PL 78B
Instrument Date	Mar 19, 2020
Instrument	134303
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 STEPHENS ST, VERNON, TX 76384-6726

Mortgage

Document Number	0000134304
Date	Mar 19, 2020
Instrument	134304

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Wilbarger County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Wilbarger County
Municipality	Vernon City
Unified School District	Vernon Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,167.00 (-5.66%) Homeowner's exemption	$134,910 (-1.94%) Land $4,180 Building $130,730	$134,910 (-1.94%) Land $4,180 Building $130,730
2023		$137,580 Land $4,180 Building $133,400	$137,580 Land $4,180 Building $133,400
2022	$2,297.00

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1995–2001)
Most Recent Claim	Dec 2001 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Santa Rosa Telephone Cooperative Fiber · Fixed Wireless	1,000 / 1,000
Optimum Communications Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AMG Technology Investment Group.

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