386 Largo St, Bonham, TX 75418 Property Records

Fannin County property record for 386 Largo St, Bonham, TX 75418

Property Summary

Property Type	Mobile Home
Details	3 ba · 2,128 sqft · built 2023
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,902 (Apr 2024)
Tax Bill	$3,443 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9-0052-000-50-BO`

Property Details

APN / Parcel Number

Primary APN	`9-0052-000-50-BO`
Alternative APNs	`9-0052-000-50-SBO` `131450`

Interior

Full Baths	3 Baths
Building Area	2,128 sqft Living Area
1st Floor Area	2,108 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Mobile Home
Exterior Material	Wood
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	305 ft deep x 150 ft wide

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	9-0052-000-50-BO
Street Address	386 LARGO ST
City	BONHAM
State	TX
Zip	75418-5100
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LAKE TRAIL ESTATES, LOT 50, ACRES 1.05, MH LABEL# NTA2182239 / NTA2182240
Legal Subdivision	LAKE TRAIL ESTATES
Legal Lot Number	50
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	1
Census Block	1060
Census Tract	950402

Owner

Source: Fannin County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 277, BONHAM, TX 75418-0277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jul 23, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 2, 2024	Vendor's Lien, Transfer · VA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Jun 6, 2023
Deed Document Number	20242033
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Recording Date	May 22, 2026
Property Address	386 LARGO ST, BONHAM, TX 75418-5100
Document Number	0000003315
Instrument Date	May 15, 2026
Instrument	20263315
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 LARGO ST, BONHAM, TX 75418-5100

Mortgage

Document Number	0000003315,
Date	May 22, 2026
Instrument	20263315

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	386 LARGO ST, BONHAM, TX 75418
Transaction Type	Mortgage
Record Updated	Nov 18, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 LARGO ST, BONHAM, TX 75418

Mortgage

Document Number	2025004464
Date	Jul 23, 2025
Instrument	2025004464

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jul 1, 2054

April 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Apr 2, 2024
Property Address	386 LARGO ST, BONHAM, TX 75418
Document Number	2024002033
Map Reference	CAB C SL 174
Instrument Date	Apr 2, 2024
Instrument	2024002033
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	MAIN STREET TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 S 6TH ST, BONHAM, TX 75418-4624

Mortgage

Document Number	2024002034
Date	Apr 2, 2024
Instrument	2024002034

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Texas
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	$3,443.00 (+5.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$247,760 (+384.99%) Land $70,000 Building $177,760	$247,760 (+384.99%) Land $70,000 Building $177,760
2024	$3,258.00
2023		$51,086 Land $51,086	$51,086 Land $51,086

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1990–2019)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Feb 2019 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2018 · 2 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 48% of the US · lower than 77% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHITE SHED WSC serves 2,441 people · EPA ID TX0740035
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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