409 S Carter St, Whitewright, TX 75491 Property Records

Grayson County property record for 409 S Carter St, Whitewright, TX 75491

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,658 sqft · built 1961
Lot Size	0.484 acres (21,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,092 (Sep 2025)
Tax Bill	$4,143 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`X003 0768137`

Property Details

APN / Parcel Number

Primary APN	`X003 0768137`
Alternative APN	`171013`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	2,360 sqft
1st Floor Area	1,658 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,083 sqft (0.484 acres)
Lot Dimensions	236 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	8 Parking Spaces
Porch	Open Porch
Porch Area	306 sqft
Utility Building	100 sqft

Location & Zoning

Street Address	409 S CARTER ST
City	WHITEWRIGHT
State	TX
Zip	75491-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0768 MCDANIEL GRANGER A-G0768, ACRES .484
Legal Subdivision	MCDANIEL GRANGER A-G0768
Legal Lot Number	6
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	2
Census Block	2017
Census Tract	102

Owner

Source: Grayson County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HOUSING CORPORATI
Sep 23, 2025	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 19, 2021	Vendor's Lien, Transfer · Conventional Mortgage ALLIANCE BANK
Jul 24, 2017	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Jul 19, 2021 · Amount on Record
Deed Document Number	202524656
Prior Transfer Date	Jul 16, 2021
Prior Transfer Doc	0000024347
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408

Mortgage

Document Number	0000024658
Date	Sep 23, 2025
Instrument	2025-24658

Lender

Name	TEXAS STATE AFFORDABLE HOUSING CORPORATI
Type	Non-Lending Institution
Address	6701 SHIRLEY AVE, AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 22, 2028

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Sep 23, 2025
Property Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Document Number	0000024656
Instrument Date	Sep 22, 2025
Instrument	2025-24656
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2112 SABLE TRACE LN, ANNA, TX 75409-1602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408

Mortgage

Document Number	0000024657
Date	Sep 23, 2025
Instrument	2025-24657

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	RED RIVER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020540
Date	Sep 11, 2018
Instrument	2018-00020540

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Jul 19, 2021
Property Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Document Number	0000024347
Instrument Date	Jul 16, 2021
Instrument	2021-00024347
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3511 COUNTY ROAD 2135, TELEPHONE, TX 75488-3007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408

Mortgage

Document Number	0000024348
Date	Jul 19, 2021
Instrument	2021-00024348

Lender

Name	ALLIANCE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Jul 24, 2017
Property Address	409 S CARTER ST, WHITEWRIGHT, TX 75491-2408
Document Number	0000016176
Instrument Date	Jul 21, 2017
Instrument	16176
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	RED RIVER TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 S CARTER ST WHITEWRIGHT TX 754912408, WHITEWRIGHT, TX 75491-2408

Mortgage

Document Number	16177
Date	Jul 24, 2017
Instrument	16177

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,143.00 (-3.61%) Homeowner's exemption	$295,641 (+4.66%) Land $73,369 Building $222,272	$295,641 (+4.66%) Land $73,369 Building $222,272
2024	$4,298.00 (-3.8%)
2023		$282,490 Land $62,195 Building $220,295	$282,490 Land $62,195 Building $220,295
2022	$4,468.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2026

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

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 WHITEWRIGHT serves 1,725 people · EPA ID TX0910011
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	10 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
TekWav Fixed Wireless	500 / 100
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Nextlink.

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