Fannin County property record for 409 S Main St, Bonham, TX 75418
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,585 sqft · built 2024 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | Company Name on File |
| Last Sale | $221,351 (May 2026) |
| Tax Bill | $3,546 (2025) |
| Deeds & Mortgages | May 2026 Foreclosure May 2026 Foreclosure + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 9645-010-0021-05 |
| Primary APN | 9645-010-0021-05 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,585 sqft Living Area |
| 1st Floor Area | 1,585 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Lot Area | 5,401 sqft (0.124 acres) |
| Lot Dimensions | 147 ft deep x 36 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 9645-010-0021-05 |
|---|---|
| Street Address | 409 S MAIN ST |
| City | BONHAM |
| State | TX |
| Zip | 75418-4828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S9645 REICH ADDN, BLOCK 10, LOT S PT OF 2 |
| Legal Subdivision | REICH ADD |
| Legal Block | 10 |
| Legal Lot Number | S |
| Jurisdiction | FANNIN TX |
| Township / Civil Division | BONHAM |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 950600 |
409 S Main St is owned by a company that bought it in May 2026.
Source: Fannin County records, as of October 19, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3930 DALLAS PKWY, PLANO, TX 75093-7863 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2026 | Trustee's Deed, Foreclosure COUNTY TITLE, FANNIN COUNTY TITLE |
| May 18, 2026 | Trustee's Deed, Foreclosure FRANKLIN COUNTY TITLE, FANNIN COUNTY TITLE |
| Feb 23, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on File |
| Deed Sale | May 18, 2026 · Amount on File |
| Prior Sale | Dec 26, 2023 |
| Deed Document Number | 20263133 |
| Prior Transfer Date | May 5, 2026 |
| Prior Transfer Doc | 0000003133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FANNIN TX |
| Recording Date | May 18, 2026 |
| Property Address | 409 S MAIN ST, BONHAM, TX 75418-4828 |
| Document Number | 0000003133 |
| Instrument Date | May 5, 2026 |
| Instrument | 20263133 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 29, 2026 |
| Title Company | COUNTY TITLE, FANNIN COUNTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3930 DALLAS PKWY, PLANO, TX 75093-7863 |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FANNIN TX |
| Recording Date | May 18, 2026 |
| Property Address | 409 S MAIN ST, BONHAM, TX 75418-4828 |
| Document Number | 0000003133 |
| Instrument Date | May 5, 2026 |
| Instrument | 20263133 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 29, 2026 |
| Title Company | FRANKLIN COUNTY TITLE, FANNIN COUNTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3930 DALLAS PKWY, PLANO, TX 75093-7863 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FANNIN TX |
| Property Address | 409 S MAIN ST, BONHAM, TX 75418-4828 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 900 HEALY ST, MCKINNEY, TX 75069-6439 |
| Document Number | 2024001153 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | 2024001153 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DURANT, OK 74701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 21, 2025 |
The 2025 property tax bill for 409 S Main St was $3,546, up 1,004.7% from the year before.
Source: Fannin County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Bonham City |
| County | Fannin County |
| Unified School District | Bonham Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,546.00 (+1,004.67%) | $184,980 Land $22,040 Building $162,940 | $184,980 Land $22,040 Building $162,940 |
| 2024 | $321.00 | ||
| 2023 | $16,410 Land $16,410 | $16,410 Land $16,410 | |
| 2018 | $42.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 409 S Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1981–1982) |
| Most Recent Claim | May 1982 · rainfall accumulation |
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 risk around 409 S Main St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BONHAM serves 10,746 people · EPA ID TX0740001 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD - BONHAM WTP |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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