402 Elm Dr, Ganado, TX 77962 Property Records

Jackson County property record for 402 Elm Dr, Ganado, TX 77962

Property Summary

Property Type	Single Family Home
Details	1,973 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Oct 2021)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R23846`

Property Details

APN / Parcel Number

Primary APN	`R23846`
Alternative APN	`4345002000600`

Interior

Building Area	1,973 sqft Living Area
Gross Area	2,073 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	137 ft deep x 90 ft wide
Garage Area	594 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	4345002000600
Street Address	402 ELM DR
City	GANADO
State	TX
Zip	77962-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN OAKS, BLOCK 2, LOT 6, ACRES 0.28
Legal Subdivision	TWIN OAKS
Legal Block	2
Legal Lot Number	6
Jurisdiction	JACKSON TX
Township / Civil Division	GANADO
Census Block Group	1
Census Block	1084
Census Tract	950100

Owner

402 Elm Dr is owned and occupied by two individuals who bought it in October 2021.

Source: Jackson County records, as of December 15, 2025

Owner of Record	2 Individual Names on File
Mailing Address	402 ELM DR, GANADO, TX 77962-8445
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	Feb 3, 2009 · Amount on File
Deed Document Number	20213279
Deed Book / Page	646 / 522
Record Updated	Sep 20, 2026

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	JACKSON TX
Recording Date	Oct 12, 2021
Property Address	402 ELM DR, GANADO, TX 77962-8445
Document Number	646/522
Book / Page	646 / 522
Map Reference	VOL 3 PG 77
Instrument Date	Oct 12, 2021
Instrument	2021-03279
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	CASTLE TITLE INSURANCE AGENCY, COASTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 712, GANADO, TX 77962-0712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 ELM DR, GANADO, TX 77962-8445

Mortgage

Document Number	202103280
Date	Oct 12, 2021
Instrument	2021-03280

Lender

Name	USAA FSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 402 Elm Dr was $2,530 with exemptions applied.

Source: Jackson County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Jackson County
Municipality	Ganado City
Unified School District	Ganado Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,530.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$204,320 Land $10,730 Building $193,590	$204,320 Land $10,730 Building $193,590
2023		$211,370 Land $10,730 Building $200,640	$211,370 Land $10,730 Building $200,640
2022	$2,956.00

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

Flood

FEMA maps place 402 Elm Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective September 16, 2014 · 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 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (2004–2021)
Claims Outside the SFHA	11 of 12
Most Recent Claim	May 2021 · rainfall accumulation

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 402 Elm Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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 GANADO serves 1,975 people · EPA ID TX1200002
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
YK Communications Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
TISD Fixed Wireless	400 / 100
Nextlink Fixed Wireless	100 / 20