Franklin County property record for 428 Grady St, Mount Vernon, TX 75457
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,360 sqft · built 1980 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $424 (2025) |
| Deeds & Mortgages | May 2023 Mortgage |
| APN | 00828-00000-00270-000000 |
| Primary APN | 00828-00000-00270-000000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,360 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Porch |
| Porch Area | 75 sqft |
| Account Number | 3986 |
|---|---|
| Old Parcel Number | 008280000000270000000 |
| Street Address | 428 GRADY ST |
| City | MOUNT VERNON |
| State | TX |
| Zip | 75457-3900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AB 268 S KEITH |
| Legal Subdivision | STEPHEN KEITH ABS 268 PAT 554 |
| Jurisdiction | FRANKLIN TX |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950200 |
428 Grady St is owned and occupied by two individuals who acquired it in December 1994.
Source: Franklin County records, as of March 9, 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 File |
|---|---|
| Mailing Address | PO BOX 960, MOUNT VERNON, TX 75457-0960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 1994 |
| Deed Sale | Dec 5, 1994 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN TX |
| Property Address | 428 GRADY ST, MOUNT VERNON, TX 75457-3900 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 428 GRADY ST, MOUNT VERNON, TX 75457-3900 |
| Document Number | 000446/667 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 446/667 |
| Instrument | 168694 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2043 |
The 2025 property tax bill for 428 Grady St was $424 with a homeowner's exemption.
Source: Franklin County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Franklin County |
| Municipality | Mount Vernon Town |
| Unified School District | Mount Vernon Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $424.00 Homeowner's exemption | $106,300 Land $17,550 Building $148,910 | $166,460 Land $17,550 Building $148,910 |
| 2023 | $157,840 Land $14,180 Building $143,660 | $157,840 Land $14,180 Building $143,660 | |
| 2021 | $308.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 428 Grady St; 1 flood insurance policy is in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| 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 risk around 428 Grady St is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 40% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 MOUNT VERNON serves 2,662 people · EPA ID TX0800001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Peoples Communications Fixed Wireless | 500 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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