411 Oak, Merkel, TX 79536 Property Records

Taylor County property record for 411 Oak, Merkel, TX 79536

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 1954
Lot Size	0.365 acres (15,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$428,526 (Jul 2025)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S1350000200`

Property Details

APN / Parcel Number

Primary APN	`S1350000200`
Alternative APN	`25528`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	3,197 sqft
1st Floor Area	2,151 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	15,900 sqft (0.365 acres)
Lot Dimensions	159 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	411 OAK
City	MERKEL
State	TX
Zip	79536-5117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLER ADDN OF MERKEL, BLOCK 1, LOT 32-33
Legal Subdivision	MILLER ADDN OF MERKEL
Legal Block	1
Legal Lot Number	32-33
Jurisdiction	TAYLOR TX
Township / Civil Division	MERKEL
Census Block Group	2
Census Block	2078
Census Tract	13601

Owner

Source: Taylor County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	411 OAK, MERKEL, TX 79536-5117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2025	Vendor's Lien, Transfer · Non-Conforming Investor Loan FIRST FINANCIAL BANK
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Mar 20, 2018	Warranty Deed, Transfer BIG COUNTRY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Mar 20, 2018
Deed Document Number	202513616
Record Updated	Sep 20, 2026

July 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	TAYLOR TX
Recording Date	Jul 28, 2025
Property Address	411 OAK, MERKEL, TX 79536-5117
Document Number	0000013616
Map Reference	VOL 1 PG 15
Instrument Date	Jul 25, 2025
Instrument	2025-00013616
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1755, BRECKENRIDGE, TX 76424-1755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 OAK, MERKEL, TX 79536-5117

Mortgage

Document Number	0000013617
Date	Jul 28, 2025
Instrument	2025-00013617

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	11 Months
Due	Jun 21, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAYLOR TX
Property Address	411 OAK, MERKEL, TX 79536-5117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019508
Date	Oct 16, 2020
Instrument	2020-00019508

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAYLOR TX
Recording Date	Mar 20, 2018
Property Address	411 OAK, MERKEL, TX 79536-5117
Document Number	0000004336
Instrument Date	Mar 19, 2018
Instrument	4336
Transaction Type	Transfer
Record Updated	Mar 30, 2018
Title Company	BIG COUNTRY TITLE

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	411 OAK MERKEL TX 795365117, MERKEL, TX 79536-5117

Tax Assessment & Valuation

Source: Taylor County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$325,037 (+39.05%) Land $2,862 Building $322,175	$325,037 (+30.83%) Land $2,862 Building $322,175
2025	$1,986.00 (+13.36%) Homeowner's exemption Senior Citizen's exemption	$233,751 (+1%) Land $2,862 Building $245,571	$248,433 (+9.72%) Land $2,862 Building $245,571
2024		$212,501 (-1.42%) Land $2,862 Building $223,553	$226,415 (+5.04%) Land $2,862 Building $223,553
2023	$1,752.00 (+14.58%) Homeowner's exemption Senior Citizen's exemption	$215,558 Land $2,862 Building $212,696	$215,558 Land $2,862 Building $212,696
2018	$1,529.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 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	1 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.02% 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 MERKEL serves 3,573 people · EPA ID TX2210002
Water Source	Purchased surface water from CITY OF ABILENE
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Nextlink Fixed Wireless	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Access Fiber.

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