40097 Cedar Hill Dr, Whitney, TX 76692 Property Records

Hill County property record for 40097 Cedar Hill Dr, Whitney, TX 76692

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,437 sqft · built 2003
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,695 (2026)
Deeds & Mortgages	May 2022 Reverse Mortgage Sep 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19523-05540-00000-097000`

Property Details

APN / Parcel Number

Primary APN	`19523-05540-00000-097000`
Alternative APN	`150368`

Interior

Full Baths	3 Baths
Building Area	2,437 sqft Living Area
Gross Area	3,381 sqft
1st Floor Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Roof Type	Hip
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	624 sqft
Porch	Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19523-05540-00000-097000
Street Address	40097 CEDAR HILL DR
City	WHITNEY
State	TX
Zip	76692-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE BLUFF #40 LT 96 - 99
Legal Subdivision	WHITE BLUFF
Legal Block	40
Legal Lot Number	96-99
Jurisdiction	HILL TX
Township / Civil Division	BLUM
Census Block Group	4
Census Block	4077
Census Tract	960200

Owner

Source: Hill County records, as of September 23, 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	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 20, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jun 13, 2019	Vendor's Lien, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021
Deed Sale	Jan 4, 2021
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	2021118145
Deed Book / Page	2086 / 301
Prior Transfer Date	Jun 6, 2019
Prior Transfer Doc	2006/532
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760

Mortgage

Document Number	0002191/16
Date	May 23, 2022
Book Page	2191/16
Instrument	136021

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.99%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILL TX
Property Address	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/573
Date	Sep 20, 2019
Book Page	2019/573
Instrument	00107521

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.57%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	5%

June 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HILL TX
Recording Date	Jun 13, 2019
Property Address	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760
Document Number	2006/532
Book / Page	2006 / 532
Map Reference	SL A-162
Instrument Date	Jun 6, 2019
Instrument	00105372
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 OAKHILL DR, 210, KEENE, TX 76059-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40097 CEDAR HILL DR, WHITNEY, TX 76692-5760

Mortgage

Document Number	00105373
Date	Jun 13, 2019
Instrument	00105373

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.57%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Hill County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,695.00 (+235%)	$368,050 (+1.72%) Land $29,660 Building $338,390	$368,050 (+1.72%) Land $29,660 Building $338,390
2025	$1,700.00 (+1.43%) Homeowner's exemption Senior Citizen's exemption	$361,820 (+5.05%) Land $29,660 Building $332,160	$361,820 (+5.05%) Land $29,660 Building $332,160
2023		$344,440 Land $29,660 Building $314,780	$344,440 Land $29,660 Building $314,780
2022	$1,676.00

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 30, 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 11 policies
Nearby Flood Policies	11 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

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

Wildfire Risk	Moderate above 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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