412 W Elm St, Whitewright, TX 75491 Property Records

Grayson County property record for 412 W Elm St, Whitewright, TX 75491

Property Summary

Property Type	Single Family Home
Details	1,130 sqft · built 1920
Lot Size	0.195 acres (8,520 sqft)
Owner	Individual Name on File
Tax Bill	$1,482 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`X001 450532001`

Property Details

APN / Parcel Number

Primary APN	`X001 450532001`
Alternative APN	`170721`

Interior

Building Area	1,130 sqft Living Area
1st Floor Area	1,130 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2003
Lot Area	8,520 sqft (0.195 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	48 sqft
Utility Building	80 sqft

Location & Zoning

Account Number	170721
Old Parcel Number	X001 450532001
Street Address	412 W ELM ST
City	WHITEWRIGHT
State	TX
Zip	75491-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTP WHITEWRIGHT, BLOCK 44, LOT 11 & E 10' 10, 60X142, ACRES .1956 60X142
Legal Subdivision	OTP WHITEWRIGHT
Legal Block	44
Legal Lot Number	11
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	3
Census Block	3024
Census Tract	102

Owner

412 W Elm St is owned and occupied by an individual who acquired it in September 2018.

Source: Grayson County records, as of October 20, 2025

Owner of Record	Individual Name on File
Mailing Address	412 W ELM ST, WHITEWRIGHT, TX 75491-2013
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
Jun 30, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 25, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018
Deed Sale	Sep 25, 2018
Prior Sale	Feb 24, 2011 · Amount on File
Deed Document Number	2018-00021777
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	412 W ELM ST, WHITEWRIGHT, TX 75491-2013
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021857
Date	Jun 30, 2021
Instrument	2021-00021857

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Sep 25, 2018
Property Address	412 W ELM ST, WHITEWRIGHT, TX 75491-2013
Document Number	0000021777
Instrument Date	Sep 24, 2018
Instrument	21777
Transaction Type	Transfer
Record Updated	Oct 11, 2018
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
Address	412 W ELM ST WHITEWRIGHT TX 754912013, WHITEWRIGHT, TX 75491-2013

Mortgage

Document Number	21778
Date	Sep 25, 2018
Instrument	21778

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 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		$148,026 Land $39,192 Building $138,780	$177,972 Land $39,192 Building $138,780
2024	$1,482.00
2023		$169,212 Land $26,838 Building $142,374	$169,212 Land $26,838 Building $142,374
2022	$1,805.00

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

Flood

FEMA maps place 412 W Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 412 W Elm St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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.

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 270 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
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, TekWav.

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