2821 Stephens St, Vernon, TX 76384 Property Records

Wilbarger County property record for 2821 Stephens St, Vernon, TX 76384

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,956 sqft · built 1979
Lot Size	0.202 acres (8,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,996 (May 2022)
Tax Bill	$2,890 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2022 Mortgage
APN	`5295-004-0000-140-3`

Property Details

APN / Parcel Number

Primary APN	`5295-004-0000-140-3`
Alternative APN	`4912001`

Interior

Full Baths	1 Bath
Building Area	1,956 sqft Total Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	8,812 sqft (0.202 acres)
Lot Dimensions	113 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	364 sqft
Porch	Porch
Porch Area	192 sqft

Location & Zoning

Account Number	5295-004-0000-140-3
Street Address	2821 STEPHENS ST
City	VERNON
State	TX
Zip	76384-6726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N26' OF LOT 14 & S52' OF LOT 15 BLK 4 HIGHLAND PARK SUBD
Legal Subdivision	HIGHLAND PARK ADD
Legal Block	4
Legal Lot Number	14,15
Jurisdiction	WILBARGER TX
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2006
Census Tract	950600

Owner

Source: Wilbarger County records, as of May 19, 2026

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 Record
Mailing Address	2821 STEPHENS ST, VERNON, TX 76384-6726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 16, 2022	Vendor's Lien, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Deed Document Number	2022138737
Deed Book / Page	759 / 25
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBARGER TX
Recording Date	Apr 29, 2026
Property Address	2821 STEPHENS ST, VERNON, TX 76384-6726
Document Number	000803/437
Book / Page	803 / 437
Instrument Date	Apr 13, 2026
Instrument	2026146658
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 STEPHENS ST, VERNON, TX 76384-6726

Mortgage

Document Number	0000146658,
Date	Apr 29, 2026
Book Page	803/437
Instrument	2026146658

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.11%
Max Rate	-1%

May 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WILBARGER TX
Recording Date	May 16, 2022
Property Address	2821 STEPHENS ST, VERNON, TX 76384-6726
Document Number	0000759/25
Book / Page	759 / 25
Map Reference	PL A-156
Instrument Date	May 10, 2022
Instrument	138737
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2410 GORDON ST, 2410, VERNON, TX 76384-6015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 STEPHENS ST, VERNON, TX 76384-6726

Mortgage

Document Number	0000138738
Date	May 16, 2022
Instrument	138738

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$2,890.00 (+31.9%)	$114,580 (+8.56%) Land $4,920 Building $109,660	$114,580 (+8.56%) Land $4,920 Building $109,660
2023		$105,550 Land $4,920 Building $100,630	$105,550 Land $4,920 Building $100,630
2022	$2,191.00

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

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	RRA LOCKETT WATER SYSTEM serves 705 people · EPA ID TX2440008
Water Source	Purchased groundwater from CITY OF VERNON
Last State Inspection	Oct 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Oct 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Syntrio Fiber · Fixed Wireless	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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