316 Whitewater Dr, Bertram, TX 78605 Property Records

Burnet County property record for 316 Whitewater Dr, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	2,158 sqft · built 2024
Lot Size	1.48 acres (64,904 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,640 (2025)
Deeds & Mortgages	Oct 2023 Construction Loan Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08530-0300-00363-000`

Property Details

APN / Parcel Number

Primary APN	`08530-0300-00363-000`
Alternative APN	`64979`

Interior

Stories	1 Story
Building Area	2,158 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	1,473 sqft

Exterior

Lot Area	64,904 sqft
Garage Type	Attached
Garage Area	822 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Location & Zoning

Street Address	316 WHITEWATER DR
City	BERTRAM
State	TX
Zip	78605-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S8530 WHITEWATER SPRINGS LOT 363 SEC 3
Legal Subdivision	WHITEWATER SPRINGS
Legal Block	2
Legal Lot Number	363
Jurisdiction	BURNET TX
Township / Civil Division	BURNET
Census Block Group	2
Census Block	2074
Census Tract	960402

Owner

Source: Burnet County records, as of September 9, 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	316 WHITEWATER DR, BERTRAM, TX 78605-4543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Construction Mortgage CADENCE BANK NA
Jul 27, 2022	Warranty Deed, Transfer INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE CO
May 17, 2022	Warranty Deed, Transfer UNKNOWN, ITC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022
Deed Sale	Jul 27, 2022
Prior Sale	May 17, 2022
Deed Document Number	202211245
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	316 WHITEWATER DR, BERTRAM, TX 78605-4543
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 MAGNA LN, LIBERTY HILL, TX 78642-3611

Mortgage

Document Number	0202310607
Date	Oct 19, 2023
Instrument	202310607

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURNET TX
Recording Date	Jul 27, 2022
Property Address	316 WHITEWATER DR, BERTRAM, TX 78605-4543
Document Number	0202211245
Map Reference	CAB 2 SL 148A
Instrument Date	Jul 26, 2022
Instrument	202211245
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5912 RANDOLPH AVE, CASTLE ROCK, CO 80104-5209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14100 AVERY RANCH BLVD UNIT 103, 103, AUSTIN, TX 78717-4009

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURNET TX
Recording Date	May 17, 2022
Property Address	316 WHITEWATER DR, BERTRAM, TX 78605-4543
Document Number	0202207619
Map Reference	CAB 2 SL 148A
Instrument Date	May 16, 2022
Instrument	202207619
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	UNKNOWN, ITC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5912 RANDOLPH AVE, CASTLE ROCK, CO 80104-5209
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$600,000 (-3.7%) Land $89,102 Building $510,898	$600,000 (-3.7%) Land $89,102 Building $510,898
2025	$3,640.00 (+160.37%) Homeowner's exemption Senior Citizen's exemption	$623,039 (+574.43%) Land $100,426 Building $522,613	$623,039 (+574.43%) Land $100,426 Building $522,613
2024	$1,398.00 (+13.47%)
2023	$1,232.00	$92,380 Land $92,380	$92,380 Land $92,380

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 October 8, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · Severe Storms, Straight-line Winds, And Flooding

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 69% of the US · above 58% of Texas
Wildfire Likelihood	0.3% 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	WHITEWATER SPRINGS WATER SYSTEM private · serves 450 people · EPA ID TX0270124
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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