304 W Carter St, Savoy, TX 75479 Property Records

Fannin County property record for 304 W Carter St, Savoy, TX 75479

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,184 sqft · built 1982
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Tax Bill	$1,104 (2024)
Deeds & Mortgages	May 2017 Mortgage Jun 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9960-001-0020-09`

Property Details

APN / Parcel Number

Primary APN	`9960-001-0020-09`
Alternative APN	`95665`

Interior

Full Baths	1 Bath
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1982
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9960-001-0020-09
Old Parcel Number	95665
Street Address	304 W CARTER ST
City	SAVOY
State	TX
Zip	75479-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEBERRY ADDN, BLOCK 1, LOT 2,3, ACRES .25
Legal Subdivision	DEBERRY ADD
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	FANNIN TX
Township / Civil Division	ECTOR
Census Block Group	1
Census Block	1042
Census Tract	950300

Owner

Source: Fannin County records, as of November 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	304 W CARTER ST, SAVOY, TX 75479-3014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2017	Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC
Jun 2, 2025	Vendor's Lien, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025
Deed Sale	Jun 2, 2025
Deed Document Number	2025003248
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	304 W CARTER ST, SAVOY, TX 75479-3014
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01956/0343
Date	May 18, 2017
Book Page	1956/0343
Instrument	2017-2809

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

June 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Jun 2, 2025
Property Address	304 W CARTER ST, SAVOY, TX 75479-3014
Document Number	2025003248
Instrument Date	May 23, 2025
Instrument	2025003248
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W CARTER ST, SAVOY, TX 75479-3014

Mortgage

Document Number	2025003249
Date	Jun 2, 2025
Instrument	2025003249

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$152,020 (+5.98%) Land $32,020 Building $120,000	$152,020 (+5.98%) Land $32,020 Building $120,000
2024	$1,104.00 (+8.77%)
2023		$143,440 Land $26,680 Building $116,760	$143,440 Land $26,680 Building $116,760
2018	$1,015.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 SAVOY serves 868 people · EPA ID TX0740006
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 269 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
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: TekWav.

Cell Coverage

5G (outdoors only) and 4G LTE

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