440 W FM 243, Bertram, TX 78605 Property Records

Burnet County property record for 440 W FM 243, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	1,362 sqft · built 2005
Lot Size	0.672 acres (29,264 sqft)
Owner	Individual Name on File
Last Sale	$228,500 (Oct 2018)
Tax Bill	$5,319 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03925-0100-00016-000`

Property Details

APN / Parcel Number

Primary APN	`03925-0100-00016-000`
Alternative APN	`11452`

Interior

Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	29,264 sqft (0.672 acres)

Exterior Amenities

Porch	Porch
Porch Area	122 sqft
Patio Area	172 sqft
Canopy	120 sqft
Storage Building	150 sqft

Location & Zoning

Street Address	440 W FM 243
City	BERTRAM
State	TX
Zip	78605-4446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3925 COUNTRYSIDE OAKS LOT 16, SEC 1
Legal Subdivision	COUNTRYSIDE OAKS
Legal Block	1
Legal Lot Number	16
Jurisdiction	BURNET TX
Township / Civil Division	BERTRAM
Census Block Group	1
Census Block	1022
Census Tract	960102

Owner

440 W FM 243 is owned by an individual who bought it in October 2018.

Source: Burnet County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	576 SADDLE RIDGE DR, BERTRAM, TX 78605-3335
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
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage A+ FCU
Oct 4, 2018	Vendor's Lien, Transfer CAPSTAR LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Prior Sale	Jun 17, 2005 · Amount on File
Deed Document Number	201810667
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0201810667
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	440 W FM 243, BERTRAM, TX 78605-4446
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202105429
Date	Apr 7, 2021
Instrument	202105429

Lender

Name	A+ FCU
Type	Credit Union
Address	AUSTIN, TX 78723

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2046

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Oct 4, 2018
Property Address	440 W FM 243, BERTRAM, TX 78605-4446
Document Number	0201810667
Map Reference	CAB1 SL195C&195D
Instrument Date	Oct 1, 2018
Instrument	201810667
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 W FM 243, BERTRAM, TX 78605-4446

Mortgage

Document Number	0201810668
Date	Oct 4, 2018
Instrument	201810668

Lender

Name	CAPSTAR LENDING LLC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 440 W FM 243 was $5,319, up 58.3% from the year before.

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Municipality	Bertram City
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$298,559 (-1.75%) Land $25,000 Building $273,559	$298,559 (-1.75%) Land $25,000 Building $273,559
2025	$5,319.00 (+58.26%)	$303,862 Land $25,000 Building $278,862	$303,862 Land $25,000 Building $278,862
2024	$3,361.00 (+12.82%)
2023	$2,979.00 Homeowner's exemption	$287,321 Land $25,000 Building $262,321	$287,321 Land $25,000 Building $262,321

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

Flood

FEMA maps place 440 W FM 243 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective October 8, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2025 · Severe Storms, 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

Wildfire risk around 440 W FM 243 is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 51% of Texas
Wildfire Likelihood	0.2% 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 BERTRAM serves 3,636 people · EPA ID TX0270012
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2023–2025) 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Heritage Broadband Fixed Wireless	1,000 / 100
Rise Broadband Fixed Wireless	500 / 100
SOS Communications Fixed Wireless	100 / 20

May also be available: Western Broadband.

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