403 Garrett Cir, Winona, TX 75792 Property Records

Smith County property record for 403 Garrett Cir, Winona, TX 75792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,256 sqft · built 2023
Lot Size	0.135 acres (5,881 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,948 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R220844`

Property Details

APN / Parcel Number

Primary APN	`R220844`
Alternative APN	`1-29530-0000-00-006000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,256 sqft Heated Area
1st Floor Area	1,256 sqft
Flooring	Hardwood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,881 sqft (0.135 acres)
Lot Dimensions	80 ft deep x 73.7 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R220844
Street Address	403 GARRETT CIR
City	WINONA
State	TX
Zip	75792-4915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARRETT ESTATES LOT 6 2022 NEW SUBD
Legal Subdivision	GARRETT ESTATES
Legal Lot Number	6
Jurisdiction	SMITH TX
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2005
Census Tract	1502

Owner

403 Garrett Cir is owned and occupied by two individuals who acquired it in June 2023.

Source: Smith County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 GARRETT CIR, WINONA, TX 75792-4915
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
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS NATIONAL BANK
Jun 28, 2023	Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023
Deed Sale	Jun 28, 2023
Deed Document Number	202319083
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	403 GARRETT CIR, WINONA, TX 75792-4915
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 GARRETT CIR, WINONA, TX 75792-4915

Mortgage

Document Number	0001005981
Date	Mar 4, 2026
Instrument	202601005981

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2041

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	403 GARRETT CIR, WINONA, TX 75792-4915
Transaction Type	Mortgage
Record Updated	Feb 9, 2024
Title Company	AUSTIN TITLE, ATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001004978
Date	Feb 23, 2023
Instrument	202301004978

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Address	TYLER, TX 75703

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 23, 2024

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	SMITH TX
Recording Date	Jun 28, 2023
Property Address	403 GARRETT CIR, WINONA, TX 75792-4915
Document Number	0001019083
Map Reference	CAB F SL 293-C
Instrument Date	Jun 22, 2023
Instrument	202301019083
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	AUSTIN TITLE, ATC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 GARRETT CIR, WINONA, TX 75792-4915

Mortgage

Document Number	0001019128
Date	Jun 28, 2023
Instrument	202301019128

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 403 Garrett Cir was $2,948 with a homeowner's exemption, up 15.2% from the year before.

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Smith County
Municipality	Winona Town
Unified School District	Winona Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,948.00 (+15.25%) Homeowner's exemption	$249,382 (+18.09%) Land $21,348 Building $228,034	$249,382 (+18.09%) Land $21,348 Building $228,034
2025	$2,558.00 (-24.72%) Homeowner's exemption	$211,171 Land $21,242 Building $189,929	$211,171 Land $21,242 Building $189,929
2024	$3,398.00 (+408.68%)
2023	$668.00 (+561.39%)	$33,519 (+599.62%) Land $33,519	$33,519 (+599.62%) Land $33,519
2022	$101.00	$4,791 Land $4,791	$4,791 Land $4,791

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

Flood

FEMA maps place 403 Garrett Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 403 Garrett Cir is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 64% 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	CITY OF WINONA serves 1,245 people · EPA ID TX2120026
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2021–2023) 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	2 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Etex Telephone.

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