428 Lakeshore S, Onalaska, TX 77360 Property Records

Polk County property record for 428 Lakeshore S, Onalaska, TX 77360

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 2021
Lot Size	0.001 acres (61 sqft)
Owner	Individual Name on File
Tax Bill	$5,664 (2025)
Deeds & Mortgages	Jun 2023 Sale Oct 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`P0100005300`

Property Details

APN / Parcel Number

Primary APN	`P0100005300`
Alternative APN	`50215`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,008 sqft Living Area
1st Floor Area	936 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61 sqft (0.001 acres)
Lot Dimensions	1 ft deep x 6 ft wide
View / Lot	Waterfront
Garage Type	Carport
Garage Area	72 sqft
Carport	Carport
Carport Area	72 sqft
Driveway	Concrete Driveway
Driveway Area	586 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	36 sqft
Patio Area	200 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	50215
Street Address	428 LAKESHORE S
City	ONALASKA
State	TX
Zip	77360-7368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARADISE ACRES SECTION 1 BLK 2 LOT 13
Legal Subdivision	PARADISE ACRES SECTION 1
Legal Block	2
Legal Lot Number	13
Jurisdiction	POLK TX
Township / Civil Division	LIVINGSTON-ONALASKA
Census Block Group	1
Census Block	1002
Census Tract	210301

Owner

Source: Polk County assessment roll, as of September 19, 2025

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

Owner of Record	Individual Name on File
Mailing Address	1419 SAXONY LN, HOUSTON, TX 77058-3444
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed, Transfer
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 10, 2022	Warranty Deed, Transfer
Jun 19, 2020	Gift Deed, Transfer
May 23, 2018	Vendor's Lien, Transfer · VA Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 10, 2022
Deed Sale	May 10, 2022
Prior Sale	May 23, 2018 · Amount on Record
Deed Document Number	20225261
Deed Book / Page	2414 / 302
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	POLK TX
Recording Date	Jun 2, 2023
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Document Number	20232485/595
Book / Page	2023-2485 / 595
Map Reference	VOL 2 PG 20
Instrument Date	May 9, 2023
Instrument	5261
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	559 D AND D RD, MASON, TX 76856-5256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 AVENUE O, GALVESTON, TX 77550-6626

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TX
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192230/564
Date	Oct 21, 2019
Book Page	2019-2230/564
Instrument	08805

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TX
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202279/364
Date	Aug 12, 2020
Book Page	2020-2279/364
Instrument	7388

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TX
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20212372/152
Date	Oct 26, 2021
Book Page	2021-2372/152
Instrument	11720

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TX
Recording Date	May 10, 2022
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Document Number	20222414/302
Book / Page	2022-2414 / 302
Map Reference	VOL 2 PG 53
Instrument Date	May 9, 2022
Instrument	5261
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1538, ONALASKA, TX 77360-1538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1419 SAXONY LN, HOUSTON, TX 77058-3444

June 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	POLK TX
Recording Date	Jun 19, 2020
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Document Number	20202268/567
Book / Page	2020-2268 / 567
Instrument Date	Mar 19, 2020
Instrument	5261
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3217 CHARLESTON ST, 3217, HOUSTON, TX 77021-1124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 CHARLESTON ST, HOUSTON, TX 77021-1124

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	POLK TX
Recording Date	May 23, 2018
Property Address	428 LAKESHORE S, ONALASKA, TX 77360-7368
Document Number	20182155/997
Book / Page	2018-2155 / 997
Map Reference	VOL 2 PG 53
Instrument Date	May 23, 2018
Instrument	04401
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 LAKESHORE S, ONALASKA, TX 77360-7368

Mortgage

Document Number	0000004402
Date	May 23, 2018
Instrument	04402

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 19, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Polk County
Unified School District	Onalaska Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,664.00 (+95.45%)	$340,075 (+12.16%) Land $144,000 Building $196,075	$340,075 (+12.16%) Land $144,000 Building $196,075
2023		$303,198 Land $126,000 Building $177,198	$303,198 Land $126,000 Building $177,198
2022	$2,898.00

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 September 3, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	8 (1994–2016)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jan 2016
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 3 claims Hurricane Ike, Sep 2008 · 2 claims

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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Eastex Telephone Cooperative Fiber	1,000 / 1,000
Optimum Cable	500 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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