Upshur County property record for 3440 FM 2685, Gilmer, TX 75645
| Property Type | Residential |
|---|---|
| Details | 2 ba · 7,330 sqft · built 2007 |
| Lot Size | 5.34 acres (232,610 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,327 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001U-S02-000-327-3 |
| Primary APN | 001U-S02-000-327-3 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 7,330 sqft Total Area |
| 1st Floor Area | 2,064 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 232,610 sqft (5.34 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 001U-S02-000-327-3 |
|---|---|
| Street Address | 3440 FM 2685 |
| City | GILMER |
| State | TX |
| Zip | 75645-2954 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Legal Description | ABS A1 DAVENPORT, J B B,TRACT 327-3, 5.34 ACRES & HOUSE |
| Legal Subdivision | J B B DAVENPORT SURVEY A-1 |
| Legal Tract | 3-327 |
| Jurisdiction | UPSHUR TX |
| Township / Civil Division | GILMER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 950302 |
3440 FM 2685, a residential property, is owned by two individuals who acquired it in November 2021.
Source: Upshur County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 KINGS PL, JOSHUA, TX 76058-6182 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2021 |
| Deed Sale | Nov 2, 2021 |
| Prior Sale | Nov 1, 2021 |
| Deed Document Number | 20218641 |
| Prior Transfer Date | Nov 15, 2018 |
| Prior Transfer Doc | 0000008641 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UPSHUR TX |
| Property Address | 3440 FM 2685, GILMER, TX 75645-2954 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1314/173 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 1314/173 |
| Instrument | 201704328 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 30, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3440 FM 2685 was $7,327, down 1.5% from the year before.
Source: Upshur County assessment roll, as of October 16, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Upshur County |
| Unified School District | Gilmer Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,327.00 (-1.55%) | $483,970 (-1.55%) Land $79,910 Building $404,060 | $483,970 (-1.55%) Land $79,910 Building $404,060 |
| 2025 | $7,442.00 | $491,580 Land $77,940 Building $413,640 | $491,580 Land $77,940 Building $413,640 |
| 2023 | $486,440 Land $116,030 Building $370,410 | $486,440 Land $116,030 Building $370,410 | |
| 2022 | $7,501.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3440 FM 2685 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 19, 2010
| 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 risk around 3440 FM 2685 is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 66% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PRITCHETT WSC serves 10,089 people · EPA ID TX2300012 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Etex Telephone DSL | 50 / 3 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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