431 Elm St, Graham, TX 76450 Property Records

Young County property record for 431 Elm St, Graham, TX 76450

Property Summary

Property Type	Commercial
Details	4,722 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$22,500 (Jan 2016)
Tax Bill	$1,087 (2026)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01060-0023-0030`

Property Details

APN / Parcel Number

Primary APN	`01060-0023-0030`
Alternative APN	`11883`

Interior

Building Area	4,722 sqft Total Area

Exterior

Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	100 ft deep x 46 ft wide
Garage Area	600 sqft

Location & Zoning

Street Address	431 ELM ST
City	GRAHAM
State	TX
Zip	76450-2515
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ORIGINAL/GRAHAM - BLK 23, WEST 100 FT OF LOT 9, SOUTH 46 FT OF WEST 100 FT OF LOT 10
Legal Subdivision	MCVELIA SUBDIVISION
Legal Block	23
Legal Lot Number	9,10
Jurisdiction	YOUNG TX
Township / Civil Division	GRAHAM
Census Block Group	2
Census Block	2050
Census Tract	950500

Owner

Source: Young County records, as of October 20, 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	Individual Name on Record
Mailing Address	PO BOX 687, GRAHAM, TX 76450-0687
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2016 · Amount on Record
Deed Sale	Jan 19, 2016 · Amount on Record
Deed Document Number	2016153
Deed Book / Page	1190 / 692
Prior Transfer Date	Dec 1, 2015
Prior Transfer Doc	001190/692
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YOUNG TX
Property Address	431 ELM ST, GRAHAM, TX 76450-2515
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ELM ST, GRAHAM, TX 76450-2515

Mortgage

Document Number	18003179
Date	Oct 22, 2018
Instrument	18003179

Lender

Name	SAYLOR GENERAL CONTRACTORS INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 11, 2033

Tax Assessment & Valuation

Source: Young County assessment roll, as of January 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,087.00 (+0.46%)	$42,130 (+0.48%) Land $17,330 Building $24,800	$42,130 (+0.48%) Land $17,330 Building $24,800
2025	$1,082.00 (-7.99%)	$41,930 (-6.09%) Land $17,330 Building $24,600	$41,930 (-6.09%) Land $17,330 Building $24,600
2023		$44,650 Land $19,980 Building $24,670	$44,650 Land $19,980 Building $24,670
2022	$1,176.00

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 10, 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1981–1982)
Most Recent Claim	May 1982 · rainfall accumulation

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	0.02% 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 GRAHAM serves 8,718 people · EPA ID TX2520001
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	5 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brazos Communications Fiber	1,000 / 1,000
Zito Media Fiber · Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
New Source Broadband Fixed Wireless	100 / 50