3101 Ridge Dr, Bonham, TX 75418 Property Records

Fannin County property record for 3101 Ridge Dr, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,422 sqft · built 1975
Lot Size	0.769 acres (33,541 sqft)
Owner	Individual Name on Record
Tax Bill	$3,935 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2021 Transfer
Flood Zone	Zone A (high risk)
APN	`9605-000-0040-05`

Property Details

APN / Parcel Number

Primary APN	`9605-000-0040-05`
Alternative APN	`92910`

Interior

Full Baths	3 Baths
Building Area	2,422 sqft Living Area
1st Floor Area	2,230 sqft
Flooring	Combination, Other
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	33,541 sqft (0.769 acres)
Lot Width	164 ft Width
Porch	Porch
Porch Area	16 sqft
Patio Area	1,444 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9605-000-0040-05
Old Parcel Number	92910
Street Address	3101 RIDGE DR
City	BONHAM
State	TX
Zip	75418-5722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKRIDGE ADDN 1, LOT 4, ACRES .77
Legal Subdivision	OAKRIDGE ADD 1
Legal Lot Number	4
Jurisdiction	FANNIN TX
Township / Civil Division	RAVENNA-TELEPHONE
Census Block Group	4
Census Block	4011
Census Tract	950800

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	3101 RIDGE DR, BONHAM, TX 75418-5722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Vendor's Lien, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023
Deed Sale	Oct 30, 2023
Deed Document Number	2023006816
Record Updated	Jun 8, 2026

October 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Oct 30, 2023
Property Address	3101 RIDGE DR, BONHAM, TX 75418-5722
Document Number	2023006816
Map Reference	VOL 4 PG 68-73
Instrument Date	Oct 24, 2023
Instrument	2023006816
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	COLE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 MCCLINTICK RD, MCKINNEY, TX 75070-2486

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 RIDGE DR, BONHAM, TX 75418-5722
Investor	Possibly a Property Investor

Mortgage

Document Number	2023006817
Date	Oct 30, 2023
Instrument	2023006817

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FANNIN TX
Recording Date	Nov 12, 2021
Property Address	3101 RIDGE DR, BONHAM, TX 75418-5722
Document Number	2021008336
Map Reference	VOL 4 PG 72
Instrument Date	Nov 12, 2021
Instrument	2021008336
Transaction Type	Transfer
Record Updated	Dec 8, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 RIDGE DR, BONHAM, TX 75418-5722

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
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		$373,950 (+28.86%) Land $144,230 Building $229,720	$373,950 (+28.86%) Land $144,230 Building $229,720
2024	$3,935.00 (+256.11%)
2023		$290,200 Land $118,970 Building $171,230	$290,200 Land $118,970 Building $171,230
2018	$1,105.00

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 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 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	25 (1990–2018)
Claims Outside the SFHA	5 of 25
Most Recent Claim	Sep 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2018 · 10 claims Severe Storms, Tornadoes & Flooding, May 1990 · 10 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	0.05% 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	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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	300 / 75
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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