409 Oak St, Anahuac, TX 77514 Property Records

Chambers County property record for 409 Oak St, Anahuac, TX 77514

Property Summary

Property Type	Single Family Home
Details	2,287 sqft · built 2022
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,518 (2026)
Deeds & Mortgages	May 2022 Construction Loan May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00304-01300-00100-190100`

Property Details

APN / Parcel Number

Primary APN	`00304-01300-00100-190100`
Alternative APN	`24755`

Interior

Building Area	2,287 sqft Living Area
1st Floor Area	2,287 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Lot Area	131,987 sqft (3.03 acres)
Garage Area	556 sqft

Location & Zoning

Account Number	24755
Street Address	409 OAK ST
City	ANAHUAC
State	TX
Zip	77514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	304 TR 13-1-1 C WILLCOX
Legal Subdivision	C WILLCOX
Legal Tract	13-1-1
Jurisdiction	CHAMBERS TX
Township / Civil Division	ANAHUAC
Census Block Group	1
Census Block	1066
Census Tract	710500

Owner

409 Oak St is owned and occupied by two individuals.

Source: Chambers County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 254, ANAHUAC, TX 77514-0254
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
May 10, 2022	Deed of Trust, Mortgage · Construction Mortgage COMMUNITYBANK OF TEXAS NA
May 10, 2022	Deed of Trust, Mortgage · ARM COMMUNITYBANK OF TEXAS NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	409 OAK ST, ANAHUAC, TX 77514-2805
Transaction Type	Mortgage
Record Updated	Oct 26, 2023
Title Company	GREAT N AMERICAN TITLE COM, GREAT AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000181824
Date	May 10, 2022
Instrument	2022-181824

Lender

Name	COMMUNITYBANK OF TEXAS NA
Type	Bank
Address	ANAHUAC, TX 77514

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS TX
Property Address	409 OAK ST, ANAHUAC, TX 77514-2805
Transaction Type	Mortgage
Record Updated	Oct 26, 2023
Title Company	GREAT N AMERICAN TITLE COM, GREAT AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000181825
Date	May 10, 2022
Instrument	2022-181825

Lender

Name	COMMUNITYBANK OF TEXAS NA
Type	Bank
Address	77709

Agreement

Type	ARM
Amount	Amount on Record
Term	372 Months
Due	May 6, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 6, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.87%
Index	12-Month MTA
Max Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 409 Oak St was $10,518 with a homeowner's exemption.

Source: Chambers County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,518.00 Homeowner's exemption	$436,750 (+10.5%) Land $90,900 Building $345,850	$436,750 (+10.5%) Land $90,900 Building $345,850
2025		$395,250 (+1.3%) Land $90,900 Building $304,350	$395,250 (+1.3%) Land $90,900 Building $304,350
2024	$4,755.00 (-8.22%) Homeowner's exemption	$390,170 (-) Land $90,900 Building $299,270	$390,170 (-) Land $90,900 Building $299,270
2023	$5,181.00 (+57,466.67%) Homeowner's exemption	$390,170 Land $90,900 Building $299,270	$390,170 Land $90,900 Building $299,270
2022	$9.00

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

Flood

FEMA maps place 409 Oak St in Zone X, an area of minimal flood risk, though there have been 66 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 1, 2020 · 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 60 policies
Nearby Flood Policies	60 in force
Nearby Flood Claims	66 (1979–2024)
Claims Outside the SFHA	42 of 66
Most Recent Claim	Apr 2024 · rainfall accumulation
Claims by Event	Hurricane Harvey, Sep 2017 · 7 claims Hurricane Ike, Sep 2008 · 6 claims Hurricane Alicia, Aug 1983 · 9 claims

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 409 Oak St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% 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 ANAHUAC serves 2,296 people · EPA ID TX0360001
Water Source	Purchased surface water from TBCD WEST TREATMENT PLANT
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorine dioxide resolved · May 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Internet Management Services Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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