Wise County property record for 403 E Charles St, Decatur, TX 76234
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,452 sqft · built 1975 |
| Lot Size | 0.467 acres (20,342 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $273,214 (Oct 2025) |
| Tax Bill | $2,211 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D2790.0335.01 |
| Primary APN | D2790.0335.01 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,452 sqft Living Area |
| Gross Area | 2,202 sqft |
| 1st Floor Area | 1,452 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 20,342 sqft (0.467 acres) |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Storage Building | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R000026246 |
|---|---|
| Street Address | 403 E CHARLES ST |
| City | DECATUR |
| State | TX |
| Zip | 76234-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT PT 3 & 4 BLK 95 SOUTH DECATUR |
| Legal Subdivision | SOUTH DECATUR |
| Legal Block | 95 |
| Legal Lot Number | 3&4 |
| Jurisdiction | WISE TX |
| Township / Civil Division | DECATUR |
| Census Block Group | 1 |
| Census Block | 1127 |
| Census Tract | 150201 |
Source: Wise County records · APN D2790.0335.01
Assessment roll updated August 18, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 11205 GOLDEN TRIANGLE CIR, FORT WORTH, TX 76244-7228 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| May 08, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Oct 15, 2025 | Vendor's Lien, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Jun 04, 2020 | Deed of Trust, Mortgage STEARNS LNDG LLC |
| Jan 07, 2019 | Warranty Deed, Transfer STEARNS LNDG LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 15, 2025 · Amount on Record |
| Deed Sale | Oct 15, 2025 · Amount on Record |
| Prior Sale | Jan 07, 2019 · Amount on Record |
| Deed Document Number | 202513921 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WISE TX |
| Property Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0202120570 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 202120570 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WISE TX |
| Property Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Document Number | 0202305724 |
|---|---|
| Date | May 08, 2023 |
| Instrument | 202305724 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | May 01, 2026 |
| Change Frequency | Monthly |
| Min Rate At Change | 6.75% |
| Max Rate At Change | 11.7% |
| Index | 1-Year T-Bill |
| Max Rate | 11.7% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | WISE TX |
| Recording Date | Oct 15, 2025 |
| Property Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Document Number | 0202513921 |
| Map Reference | VOL 8 PG 642 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 202513921 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2025 |
| Title Company | UNKNOWN, GUARDIAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11205 GOLDEN TRIANGLE CIR, FORT WORTH, TX 76244-7228 |
| Document Number | 0202513922 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 202513922 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WISE TX |
| Property Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Document Number | 0000007518 |
| Instrument Date | Jun 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 E CHARLES ST DECATUR TX 762342808, DECATUR, TX 76234-2808 |
| Document Number | 0000007518 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 7518 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | LEWISVILLE, TX 75057 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WISE TX |
| Recording Date | Jan 07, 2019 |
| Property Address | 403 E CHARLES ST, DECATUR, TX 76234-2808 |
| Document Number | 0000000172 |
| Instrument Date | Dec 31, 2018 |
| Instrument | 172 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2019 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 E CHARLES ST DECATUR TX 762342808, DECATUR, TX 76234-2808 |
| Document Number | 173 |
|---|---|
| Date | Jan 07, 2019 |
| Instrument | 173 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | SANTA ANA, CA 92707 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 06, 2049 |
Source: Wise County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Decatur City |
| County | Wise County |
| Unified School District | Decatur Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $302,846 (-3.61%) Land $90,054 Building $212,792 | $302,846 (-3.61%) Land $90,054 Building $212,792 | |
| 2025 | $2,211.00 (-14.8%) Homeowner's exemption Senior Citizen's exemption | $314,181 (+16.18%) Land $90,054 Building $224,127 | $314,181 (+6.77%) Land $90,054 Building $224,127 |
| 2024 | $2,595.00 (-27.39%) | ||
| 2023 | $270,433 | $294,254 | |
| 2021 | $3,574.00 |
Source: FEMA National Flood Hazard Layer, Wise County (48497C), as of October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 484971502011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 67% of the US · lower than 91% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Generate-Ubiquity Holdings Fiber | 5,000 / 5,000 |
| AMG Technology Investment Group Fiber · Fixed Wireless | 5,000 / 5,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Vyve Broadband Cable | 2,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 139 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system TX2490005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF DECATUR WATER PLANT serves 9,087 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | E. coli resolved · May 2025 Turbidity resolved · Apr 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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