431 E 12th St, Bonham, TX 75418 Property Records

Fannin County property record for 431 E 12th St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,854 sqft · built 1886
Lot Size	0.272 acres (11,857 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,000 (May 2019)
Tax Bill	$5,049 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0560-171-0000-05`

Property Details

APN / Parcel Number

Primary APN	`0560-171-0000-05`
Alternative APN	`77365`

Interior

Full Baths	2 Baths
Building Area	2,854 sqft Living Area
1st Floor Area	2,154 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	11,857 sqft (0.272 acres)
Lot Dimensions	114 ft deep x 104 ft wide
Garage Type	Detached
Garage Area	480 sqft

Exterior Amenities

Pool Type	Pool Type
Pool Area	300 sqft
Porch	Porch
Porch Area	576 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	0560-171-0000-05
Street Address	431 E 12TH ST
City	BONHAM
State	TX
Zip	75418-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0560 BAILEY INGLISH
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	5
Census Block	5010
Census Tract	950402

Owner

Source: Fannin County records, as of December 2, 2025

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	431 E 12TH ST, BONHAM, TX 75418-3105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD
May 16, 2019	Vendor's Lien, Transfer · FHA Mortgage DAS ACQUISITION
Dec 18, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on Record
Deed Sale	May 16, 2019 · Amount on Record
Prior Sale	Sep 6, 2013 · Amount on Record
Deed Document Number	20192889
Deed Book / Page	2133 / 526
Prior Transfer Date	Feb 11, 2018
Prior Transfer Doc	2096/0293
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	431 E 12TH ST, BONHAM, TX 75418-3105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019007761
Date	Dec 17, 2019
Instrument	2019007761

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

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

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	May 16, 2019
Property Address	431 E 12TH ST, BONHAM, TX 75418-3105
Document Number	2133/0526
Book / Page	2133 / 0526
Instrument Date	May 16, 2019
Instrument	2019-2889
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 STEEPLEVIEW LN, 1401, MC KINNEY, TX 75069-5006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E 12TH ST, BONHAM, TX 75418-3105
Investor	Possibly a Property Investor

Mortgage

Document Number	20192890
Date	May 16, 2019
Instrument	2019-2890

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FANNIN TX
Recording Date	Dec 18, 2018
Property Address	431 E 12TH ST, BONHAM, TX 75418-3105
Document Number	2096/0293
Book / Page	2096 / 0293
Instrument Date	Feb 11, 2018
Instrument	2018-7322
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E 12TH ST, BONHAM, TX 75418-3105

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bonham City
County	Fannin County
Unified School District	Bonham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,049.00 (+77.97%) Homeowner's exemption Senior Citizen's exemption	$260,300 (-0.44%) Land $49,330 Building $210,970	$260,300 (-0.44%) Land $49,330 Building $210,970
2024	$2,837.00 (-21.85%)
2023		$261,440 Land $43,750 Building $217,690	$261,440 Land $43,750 Building $217,690
2018	$3,630.00

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 June 16, 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	3 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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 64% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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