291 Big Oak Rd, Karnack, TX 75661 Property Records

Harrison County property record for 291 Big Oak Rd, Karnack, TX 75661

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1979
Lot Size	0.46 acres (20,038 sqft)
Owner	Company Name on Record
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Jun 2019 Sale Jan 2019 Loan Modification + 6 more
Flood Zone	Zone A (high risk)
APN	`R000046404`

Property Details

APN / Parcel Number

Primary APN	`R000046404`
Alternative APNs	`00033.01230.00000.000000` `0046404`

Interior

Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	20,038 sqft (0.46 acres)

Exterior Amenities

Porch	Slab
Patio Area	672 sqft
Canopy	1,260 sqft
Utility Building	648 sqft
Boat Access	Boat Access

Location & Zoning

Account Number	R000046404
Street Address	291 BIG OAK RD
City	KARNACK
State	TX
Zip	75661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 0.460 ABST: 33 J ADAMS HSE
Legal Subdivision	JAMES ADAMS SURVEY A-33
Jurisdiction	HARRISON TX
Township / Civil Division	WASKOM
Census Block Group	1
Census Block	1008
Census Tract	20105

Owner

Source: Harrison County records, as of May 27, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 87, LONGVIEW, TX 75606-0087
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2019	Warranty Deed, Transfer NOT AVAILABLE
Jan 18, 2019	Loan Modification, Mortgage CYPRESS BK
Jan 18, 2019	Loan Modification, Mortgage CYPRESS BK SSB
Sep 21, 2018	Loan Modification, Mortgage CYPRESS BK
Aug 28, 2018	Loan Modification, Mortgage CYPRESS BK SSB
Aug 1, 2017	Loan Modification, Mortgage CYPRESS BK SSB
Aug 1, 2017	Loan Modification, Mortgage CYPRESS BK SSB
Jan 26, 2017	Loan Modification, Mortgage CYPRESS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2007
Deed Sale	Feb 20, 2007
Deed Document Number	20077002769
Record Updated	Sep 20, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON TX
Recording Date	Jun 28, 2019
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000007205
Instrument Date	Jun 25, 2019
Instrument	7205
Transaction Type	Transfer
Record Updated	Jul 15, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	PO BOX 87 LONGVIEW TX 756060087, LONGVIEW, TX 75606-0087

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000001188
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1218 LONE STAR TX 756681218, LONE STAR, TX 75668-1218

Mortgage

Document Number	0000001188
Date	Feb 4, 2019
Instrument	1188

Lender

Name	CYPRESS BK
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 3, 2029

Interest

Rate	6.5%

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000001189
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1227 LONE STAR TX 756681227, LONE STAR, TX 75668-1227

Mortgage

Document Number	0000001189
Date	Feb 4, 2019
Instrument	1189

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 3, 2024

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000010618
Instrument Date	Sep 21, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1227 LONE STAR TX 756681227, LONE STAR, TX 75668-1227

Mortgage

Document Number	0000010618
Date	Sep 24, 2018
Instrument	10618

Lender

Name	CYPRESS BK
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 23, 2023

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000010619
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	291 PR 2422 KARNACK TX 75661, KARNACK, TX 75661

Mortgage

Document Number	0000010619
Date	Sep 24, 2018
Instrument	10619

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 23, 2028

Interest

Rate	8%

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000007924
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1227 LONE STAR TX 756681227, LONE STAR, TX 75668-1227

Mortgage

Document Number	0000007924
Date	Aug 14, 2017
Instrument	7924

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 13, 2018

Interest

Rate Type	Fixed Rate
Rate	8%

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000007925
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1227 LONE STAR TX 756681227, LONE STAR, TX 75668-1227

Mortgage

Document Number	0000007925
Date	Aug 14, 2017
Instrument	7925

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 13, 2018

Interest

Rate Type	Fixed Rate
Rate	7.5%

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRISON TX
Property Address	291 BIG OAK RD, KARNACK, TX 75661
Document Number	0000002018
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1227 LONE STAR TX 756681227, LONE STAR, TX 75668-1227

Mortgage

Document Number	0000002018
Date	Mar 2, 2017
Instrument	2018

Lender

Name	CYPRESS BK
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2022

Interest

Rate Type	Fixed Rate
Rate	7.37%

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,684.00 (+65.26%)	$163,720 (+20.19%) Land $18,930 Building $144,790	$163,720 (+20.19%) Land $18,930 Building $144,790
2024	$1,019.00 (-21.56%)
2023	$1,299.00	$136,220 Land $21,630 Building $114,590	$136,220 Land $21,630 Building $114,590

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 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	26 (2016–2024)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2016 · 2 claims Severe Storms, Tornadoes, And Flooding, Mar 2016 · 12 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	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.06% 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	CADDO LAKE WSC serves 1,230 people · EPA ID TX1020019
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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