437 Co Rd 3845, Joaquin, TX 75954 Property Records

Shelby County property record for 437 Co Rd 3845, Joaquin, TX 75954

Property Summary

Property Type	Rural Home
Details	3 ba · 1,590 sqft · built 2014
Lot Size	12.9 acres (563,209 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jul 2017)
Tax Bill	$3,399 (2026)
Deeds & Mortgages	Jan 2019 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R51998`

Property Details

APN / Parcel Number

Primary APN	`R51998`
Alternative APN	`0508320000000820`

Interior

Full Baths	3 Baths
Building Area	1,590 sqft Living Area
Gross Area	2,558 sqft
1st Floor Area	1,590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Roof Material	Composition Shingle
Lot Area	563,209 sqft (12.9 acres)
Garage Area	630 sqft
Porch	Porch
Porch Area	338 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	05-0832-0000-0008-20
Street Address	437 COUNTY ROAD 3845
City	JOAQUIN
State	TX
Zip	75954-3379
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0832 YARBROUGH JOEL SUR BLK 0 TR 8.20 12.9295 ACRES FRMLY TORY SPENCER CHAMBLISS - 437 CR 3845
Legal Subdivision	YARBROUGH JOEL
Legal Tract	8
Jurisdiction	SHELBY TX
Township / Civil Division	TENAHA-JOAQUIN
Census Block Group	3
Census Block	3062
Census Tract	950100

Owner

437 Co Rd 3845, a rural home, is owned and occupied by two individuals who bought it in July 2017.

Source: Shelby County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2012 COUNTY ROAD 2699, SHELBYVILLE, TX 75973-2733
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
Jan 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage SHELBY SAVINGS BANK SSB
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jul 17, 2017	Vendor's Lien, Subdivision Related Transfer UNITED BUILT HOMES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on File
Deed Sale	Jul 17, 2017 · Amount on File
Deed Document Number	20172403
Prior Transfer Date	Jun 29, 2017
Prior Transfer Doc	2017002403
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TX
Property Address	437 COUNTY ROAD 3845, JOAQUIN, TX 75954-3379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROFESSIONAL TITLE, PROFESSIONAL TITLE SERVICE I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019000155
Date	Jan 14, 2019
Instrument	2019000155

Lender

Name	SHELBY SAVINGS BANK SSB
Type	Bank
Address	CENTER, TX 75935

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TX
Property Address	437 COUNTY ROAD 3845, JOAQUIN, TX 75954-3379
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020001033
Date	Apr 15, 2020
Instrument	2020001033

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

July 2017: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	SHELBY TX
Recording Date	Jul 17, 2017
Property Address	437 COUNTY ROAD 3845, JOAQUIN, TX 75954-3379
Document Number	2017002403
Instrument Date	Jun 29, 2017
Instrument	2017002403
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8500 LINE AVE, 8500, SHREVEPORT, LA 71106-6118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 COUNTY ROAD 2699, SHELBYVILLE, TX 75973-2733

Mortgage

Document Number	2017002404
Date	Jul 17, 2017
Instrument	2017002404

Lender

Name	UNITED BUILT HOMES LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 437 Co Rd 3845 was $3,399 with a homeowner's exemption, up 232.6% from the year before.

Source: Shelby County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Shelby County
Unified School District	Joaquin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,399.00 (+232.58%) Homeowner's exemption	$201,144 (-23.26%)	$293,080 (+11.82%) Land $91,850 Building $201,230
2025	$1,022.00 Homeowner's exemption Additional exemption filed	$262,110 Land $86,890 Building $175,220	$262,110 Land $86,890 Building $175,220
2023			$229,060 Land $77,300 Building $151,760
2022	$1,911.00

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

Flood

FEMA maps place 437 Co Rd 3845 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 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 437 Co Rd 3845 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 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	PAXTON WSC serves 908 people · EPA ID TX2100012
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2025
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform corrective action Sep 2024
Monitoring and Reporting	17 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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