304 Rainey St, Bonham, TX 75418 Property Records

Fannin County property record for 304 Rainey St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,032 sqft · built 1958
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Aug 2019)
Tax Bill	$3,185 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9660-001-0040-05`

Property Details

APN / Parcel Number

Primary APN	`9660-001-0040-05`
Alternative APN	`93330`

Interior

Full Baths	3 Baths
Building Area	2,032 sqft Living Area
1st Floor Area	2,060 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9660-001-0040-05
Street Address	304 RAINEY ST
City	BONHAM
State	TX
Zip	75418-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSSELL HEIGHTS ADDN, BLOCK 1, LOT 4, ACRES .3214
Legal Subdivision	RUSSELL HEIGHTS
Legal Block	1
Legal Lot Number	4
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	4
Census Block	4031
Census Tract	950402

Owner

Source: Fannin County records, as of July 13, 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	304 RAINEY ST, BONHAM, TX 75418-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY LOAN SERVICING LLC
Aug 16, 2019	Vendor's Lien, Transfer · FHA Mortgage ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Deed Document Number	20195055
Deed Book / Page	2160 / 502
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	304 RAINEY ST, BONHAM, TX 75418-2106
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022003622
Date	May 6, 2022
Instrument	2022003622

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	304 RAINEY ST, BONHAM, TX 75418-2106
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RAINEY ST, BONHAM, TX 75418-2106

Mortgage

Document Number	2022002169
Date	Mar 18, 2022
Instrument	2022002169

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Aug 16, 2019
Property Address	304 RAINEY ST, BONHAM, TX 75418-2106
Document Number	2160/0502
Book / Page	2160 / 0502
Map Reference	VOL 45 PG 83
Instrument Date	Aug 16, 2019
Instrument	2019-5055
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 216, BONHAM, TX 75418-0216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RAINEY ST, BONHAM, TX 75418-2106

Mortgage

Document Number	20195056
Date	Aug 16, 2019
Instrument	2019-5056

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,185.00 (+68.88%) Homeowner's exemption	$206,660 (-2.85%) Land $48,300 Building $158,360	$206,660 (-2.85%) Land $48,300 Building $158,360
2024	$1,886.00 (+66.46%)
2023		$212,730 Land $42,000 Building $170,730	$212,730 Land $42,000 Building $170,730
2018	$1,133.00

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 June 16, 2026 · 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
Nearby Flood Policies	2 in force

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 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.03% 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	CITY OF BONHAM serves 10,746 people · EPA ID TX0740001
Water Source	Purchased surface water from NORTH TEXAS MWD - BONHAM WTP
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50

May also be available: Nextlink, Verizon.

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