321 Caney Trail Dr, Wharton, TX 77488 Property Records

Wharton County property record for 321 Caney Trail Dr, Wharton, TX 77488

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,324 sqft · built 1985
Lot Size	1.23 acres (53,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,596 (May 2025)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Jul 2009 Line of Credit Jul 2013 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10197-000-150-00`

Property Details

APN / Parcel Number

Primary APN	`10197-000-150-00`
Alternative APNs	`R012563` `12563`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,324 sqft Living Area
Gross Area	3,046 sqft
1st Floor Area	2,324 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Lot Area	53,884 sqft
Garage Type	Attached
Garage Area	722 sqft
Porch	Open Porch
Porch Area	40 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1019700015000
Street Address	321 CANEY TRAIL DR
City	WHARTON
State	TX
Zip	77488-2577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANEY TRAILS 3 LOT 15
Legal Subdivision	CANEY TRAILS 3
Legal Block	2
Legal Lot Number	15
Jurisdiction	WHARTON TX
Township / Civil Division	WHARTON
Census Block Group	2
Census Block	2044
Census Tract	740400

Owner

Source: Wharton County records, as of September 22, 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	321 CANEY TRAIL DR, WHARTON, TX 77488-2577
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2009	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE BANK NA
Jul 31, 2013	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA
May 23, 2025	Vendor's Lien, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Deed Document Number	20252670
Deed Book / Page	1384 / 280
Record Updated	Oct 29, 2026

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHARTON TX
Property Address	321 CANEY TRAIL DR, WHARTON, TX 77488-2577
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000787/178
Date	Jul 6, 2009
Book Page	787/178
Instrument	2009-00004160

Lender

Name	CAPITAL ONE BANK NA
Type	Bank
Address	IRVING, TX 75015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 26, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHARTON TX
Property Address	321 CANEY TRAIL DR, WHARTON, TX 77488-2577
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000929/394
Date	Jul 31, 2013
Book Page	929/394
Instrument	2013-00004386

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	IRVING, TX 75015

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WHARTON TX
Recording Date	May 23, 2025
Property Address	321 CANEY TRAIL DR, WHARTON, TX 77488-2577
Document Number	001384/280
Book / Page	1384 / 280
Map Reference	VOL 1 PG 77
Instrument Date	May 23, 2025
Instrument	2025-00002670
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	MID-COAST TITLE COMPANY INC, MID COAST TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CANEY TRAIL DR, WHARTON, TX 77488-2577

Mortgage

Document Number	0001384282
Date	May 23, 2025
Instrument	1384/282

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

Source: Wharton County assessment roll, as of September 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$359,000 (+29.15%) Land $49,480 Building $309,520	$359,000 (+13.7%) Land $49,480 Building $309,520
2025	$1,644.00 (-32.26%) Homeowner's exemption Senior Citizen's exemption	$277,978 (-6.68%)	$315,736 (+6%) Land $49,480 Building $266,256
2023		$297,875 Land $49,480 Building $248,395	$297,875 Land $49,480 Building $248,395
2022	$2,427.00

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 September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	37 (1994–2019)
Claims Outside the SFHA	10 of 37
Most Recent Claim	Jun 2019 · rainfall accumulation
Claims by Event	Hurricane Harvey, Sep 2017 · 16 claims Tropical Storm Fay, Sep 2002 · 5 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	Moderate above 53% of the US · lower than 69% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fiber	1,000 / 200
Sparklight Cable	1,000 / 50
Skynet Fixed Wireless	100 / 50

May also be available: Nextlink.

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