2905 Stephens St, Vernon, TX 76384 Property Records

Wilbarger County property record for 2905 Stephens St, Vernon, TX 76384

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,842 sqft · built 1978
Lot Size	0.201 acres (8,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,800 (Oct 2005)
Tax Bill	$3,002 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2017 Line of Credit
APN	`5295-004-0000-120-3`

Property Details

APN / Parcel Number

Primary APN	`5295-004-0000-120-3`
Alternative APN	`3571001`

Interior

Full Baths	1 Bath
Building Area	1,842 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	8,738 sqft (0.201 acres)
Lot Dimensions	112 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	280 sqft
Porch	Porch
Porch Area	267 sqft

Location & Zoning

Account Number	5295-004-0000-120-3
Street Address	2905 STEPHENS ST
City	VERNON
State	TX
Zip	76384-6743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N52 OF LT 12 & S26 OF LOT 13 BLK 4 HIGHLAND PARK SUBD
Legal Subdivision	HIGHLAND PARK ADDITION
Legal Block	4
Legal Lot Number	12,13
Jurisdiction	WILBARGER TX
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2006
Census Tract	950600

Owner

Source: Wilbarger County records, as of September 23, 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	2905 STEPHENS ST, VERNON, TX 76384-6743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
Mar 15, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2005 · Amount on Record
Deed Sale	Oct 7, 2005 · Amount on Record
Deed Document Number	200596192
Deed Book / Page	571 / 509
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBARGER TX
Property Address	2905 STEPHENS ST, VERNON, TX 76384-6743
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	752/151
Date	Oct 20, 2021
Book Page	752/151
Instrument	137427

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	WICHITA FALLS, TX 76308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBARGER TX
Property Address	2905 STEPHENS ST, VERNON, TX 76384-6743
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 00128094
Date	Mar 15, 2017
Book Page	705/741
Instrument	00128094

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	Wichita Falls, TX 76308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2026	$3,002.00 (+72.83%)	$119,030 (+1%)	$121,720 (+12.48%) Land $18,430 Building $103,290
2025	$1,737.00 (+6.5%) Homeowner's exemption	$108,210 (+1.49%) Land $4,920 Building $103,290	$108,210 (+1.49%) Land $4,920 Building $103,290
2023		$106,620 Land $4,920 Building $101,700	$106,620 Land $4,920 Building $101,700
2022	$1,631.00

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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