320 S 4th St, Bonham, TX 75418 Property Records

Fannin County property record for 320 S 4th St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	1 ba · 768 sqft · built 1998
Lot Size	0.153 acres (6,700 sqft)
Owner	Company Name on Record
Tax Bill	$2,020 (2024)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9645-014-0051-05`

Property Details

APN / Parcel Number

Primary APN	`9645-014-0051-05`
Alternative APN	`93185`

Interior

Full Baths	1 Bath
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1998
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	6,700 sqft (0.153 acres)
Lot Dimensions	74 ft deep x 91 ft wide
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	9645-014-0051-05
Old Parcel Number	93185
Street Address	320 S 4TH ST
City	BONHAM
State	TX
Zip	75418-4711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REICH ADDN, BLOCK 14, LOT PT OF 5
Legal Subdivision	REICH ADD
Legal Block	14
Legal Lot Number	5
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	1
Census Block	1048
Census Tract	950600

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	Company Name on Record
Mailing Address	1638 COUNTY ROAD 226, COLLINSVILLE, TX 76233-3348
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage · Commercial Mortgage RFLF 4 LLC
Oct 3, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage KATIE FERNANDES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023
Deed Sale	Sep 29, 2023
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	320 S 4TH ST, BONHAM, TX 75418-4711
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 COUNTY ROAD 226, COLLINSVILLE, TX 76233-3348

Mortgage

Document Number	2024001438
Date	Mar 7, 2024
Instrument	2024001438

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	320 S 4TH ST, BONHAM, TX 75418-4711
Transaction Type	Mortgage
Record Updated	Oct 23, 2023
Title Company	FIDELITY NATIONAL TITLE, FNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 COUNTY ROAD 226, COLLINSVILLE, TX 76233-3348

Mortgage

Document Number	2023006278
Date	Oct 3, 2023
Instrument	2023006278

Lender

Name	KATIE FERNANDES
Type	Private Party
Address	30745 SANTA FE ST, HEMET, CA 92543

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Sep 28, 2024

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 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		$106,160 (+1.39%) Land $25,860 Building $80,300	$106,160 (+1.39%) Land $25,860 Building $80,300
2024	$2,020.00 (+47.02%)
2023		$104,700 Land $20,700 Building $84,000	$104,700 Land $20,700 Building $84,000
2018	$1,374.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1981–1982)
Most Recent Claim	May 1982 · rainfall accumulation

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 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.07% 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 148 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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