405 E Water, Milford, TX 76670 Property Records

Ellis County property record for 405 E Water, Milford, TX 76670

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,954 sqft · built 1900
Lot Size	3.06 acres (133,729 sqft)
Owner	2 Individual Names on File
Tax Bill	$852 (2025)
Deeds & Mortgages	Dec 2017 Transfer Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R185302`

Property Details

APN / Parcel Number

Primary APN	`R185302`
Alternative APNs	`58047000001300109` `185302`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,954 sqft Living Area
Gross Area	3,164 sqft
1st Floor Area	2,204 sqft
2nd Floor Area	750 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	133,729 sqft
Garage Type	Carport
Garage Area	840 sqft
Carport	Carport
Carport Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	386 sqft
Deck Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC

Location & Zoning

Street Address	405 E WATER
City	MILFORD
State	TX
Zip	76670-1080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	470 E L HOGAN 3.07 AC
Legal Subdivision	E L HOGAN
Jurisdiction	ELLIS TX
Township / Civil Division	ITALY
Census Block Group	2
Census Block	2107
Census Tract	61000

Owner

405 E Water is owned and occupied by two individuals who acquired it in December 2017.

Source: Ellis County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 E WATER, MILFORD, TX 76670-1080
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
Dec 28, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 22, 2017	Deed of Trust, Mortgage · Line of Credit CITY CU
Jul 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017
Deed Sale	Dec 28, 2017
Deed Document Number	201737380
Prior Transfer Date	Dec 4, 2017
Prior Transfer Doc	0000037379
Record Updated	Sep 20, 2026

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELLIS TX
Recording Date	Dec 28, 2017
Property Address	405 E WATER, MILFORD, TX 76670-1080
Document Number	0000037380
Instrument Date	Dec 4, 2017
Instrument	37380
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	405 E WATER MILFORD TX 766701080, MILFORD, TX 76670-1080

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	405 E WATER, MILFORD, TX 76670-1080
Document Number	0000037045
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E WATER MILFORD TX 766701080, MILFORD, TX 76670-1080

Mortgage

Document Number	0000037045
Date	Dec 22, 2017
Instrument	37045

Lender

Name	CITY CU
Type	Credit Union
Address	DALLAS, TX 75228-6543

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 21, 2027

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELLIS TX
Recording Date	Jul 21, 2017
Property Address	405 E WATER, MILFORD, TX 76670-1080
Document Number	0000020404
Instrument Date	Jul 20, 2017
Instrument	20404
Transaction Type	Transfer
Record Updated	Aug 9, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	405 E WATER MILFORD TX 766701080, MILFORD, TX 76670-1080

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Water was $852 with exemptions applied, up 3.9% from the year before.

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,999 (+1%)	$348,186 (+6.49%) Land $100,000 Building $248,186
2025	$852.00 (+3.9%) Homeowner's exemption Senior Citizen's exemption	$169,090 Land $100,000 Building $226,969	$326,969 Land $100,000 Building $226,969
2024	$820.00
2023	$820.00 Homeowner's exemption Senior Citizen's exemption	$318,231 Land $90,000 Building $228,231	$318,231 Land $90,000 Building $228,231
2018	$1,421.00

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

Flood

FEMA maps place 405 E Water in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 9, 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	5 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 405 E Water is moderate, ranking above 53% 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 53% of the US · lower than 70% 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 MILFORD serves 796 people · EPA ID TX0700006
Water Source	Purchased surface water from FILES VALLEY WSC
Last State Inspection	Nov 2024
Lead	4 ppb (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	9 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Rise Broadband Fiber	1,000 / 200

May also be available: Nextlink.

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