400 Rainey St, Bonham, TX 75418 Property Records

Fannin County property record for 400 Rainey St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,177 sqft · built 1960
Lot Size	0.482 acres (21,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,683 (2024)
Deeds & Mortgages	Apr 2017 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9660-005-0050-05`

Property Details

APN / Parcel Number

Primary APN	`9660-005-0050-05`
Alternative APN	`93349`

Interior

Full Baths	2 Baths
Building Area	2,177 sqft Living Area
1st Floor Area	2,177 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1960
Exterior Material	Brick
Construction Type	Wood Frame
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	140 ft deep x 150 ft wide

Exterior Amenities

Pool Area	525 sqft
Porch	Porch
Porch Area	116 sqft
Patio Area	987 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9660-005-0050-05
Old Parcel Number	93349
Street Address	400 RAINEY ST
City	BONHAM
State	TX
Zip	75418-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSSELL HEIGHTS ADDN, BLOCK 5, LOT 5,6, ACRES .4821
Legal Subdivision	RUSSELL HEIGHTS ADD
Legal Block	5
Legal Lot Number	5,6
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	4
Census Block	4026
Census Tract	950402

Owner

400 Rainey St is owned and occupied by an individual who acquired it in June 2008.

Source: Fannin County records, as of November 17, 2025

Owner of Record	Individual Name on File
Mailing Address	308 N CENTER ST, BONHAM, TX 75418-4332
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE CO
May 18, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2008
Deed Sale	Jun 26, 2008
Deed Document Number	0001383214
Deed Book / Page	1383 / 214
Prior Transfer Date	Jun 25, 2008
Prior Transfer Doc	01383/0214
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	400 RAINEY ST, BONHAM, TX 75418-2108
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01945/0098
Date	Apr 4, 2017
Book Page	1945/0098
Instrument	2017-1793

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	400 RAINEY ST, BONHAM, TX 75418-2108
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002661
Date	May 18, 2020
Instrument	2020002661

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

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		$234,860 Land $62,580 Building $172,280	$234,860 Land $62,580 Building $172,280
2024	$2,683.00
2023		$220,610 Land $50,400 Building $170,210	$220,610 Land $50,400 Building $170,210
2018	$2,973.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Rainey St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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

Wildfire risk around 400 Rainey St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 191 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

May also be available: Nextlink, Verizon.

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