Palo Pinto County property record for 346 Capstone Ridge Dr, Santo, TX 76472
| Property Type | Single Family Home |
|---|---|
| Details | 3,334 sqft · built 2021 |
| Lot Size | 11.9 acres (518,495 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,237 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R000035717 |
| Primary APN | R000035717 |
|---|---|
| Alternative APN |
|
| Building Area | 3,334 sqft Living Area |
|---|
| Year Built | Built 2021 |
|---|---|
| Lot Area | 518,495 sqft (11.9 acres) |
| Account Number | R000035717 |
|---|---|
| Old Parcel Number | R000035717 |
| Street Address | 346 CAPSTONE RIDGE DR |
| City | SANTO |
| State | TX |
| Zip | 76472-3901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AB 1390 TR 2A-1 JOHN SNOW G#11390-00-0002A-100-00-0 |
| Legal Subdivision | JOHN SNOW SURVEY A-1390 |
| Legal Tract | 2A-1 |
| Jurisdiction | PALO PINTO TX |
| Township / Civil Division | PALO PINTO-SANTO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 300 |
346 Capstone Ridge Dr is owned and occupied by an individual who acquired it in May 2024.
Source: Palo Pinto County records, as of October 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 346 CAPSTONE RIDGE DR, SANTO, TX 76472-3901 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC |
| May 1, 2024 | Vendor's Lien, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2024 |
| Deed Sale | May 1, 2024 |
| Deed Document Number | 2577 |
| Deed Book / Page | 2543 / 879 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Property Address | 346 CAPSTONE RIDGE DR, SANTO, TX 76472-3901 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002452/158 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 2452/158 |
| Instrument | 2022-00004407 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Recording Date | May 1, 2024 |
| Property Address | 346 CAPSTONE RIDGE DR, SANTO, TX 76472-3901 |
| Document Number | 002543/880 |
| Book / Page | 2543 / 880 |
| Map Reference | VOL 2330 PG 688 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 2024-00002577 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 346 CAPSTONE RIDGE DR, SANTO, TX 76472-3901 |
| Document Number | 202400002578 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 2024-00002578 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2054 |
Source: Palo Pinto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Palo Pinto County |
| Unified School District | Santo Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $790 | $274,800 | |
| 2024 | $6,237.00 | ||
| 2023 | $221,270 | $221,270 | |
| 2018 | $6.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 Capstone Ridge Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective March 3, 2024 · 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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 6 (2016–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Nov 2024 · river or lake flooding |
| Claims by Event |
|
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 risk around 346 Capstone Ridge Dr is high, ranking above 77% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 69% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTO SUD serves 3,546 people · EPA ID TX1820010 |
|---|---|
| Water Source | Purchased surface water from CITY OF MINERAL WELLS |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Nextlink Fixed Wireless | 50 / 10 |
| AT&T Fixed Wireless | 25 / 3 |
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