440 Whitewater Dr, Bertram, TX 78605 Property Records

Burnet County property record for 440 Whitewater Dr, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,105 sqft · built 2022
Lot Size	2.36 acres (103,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$93,500 (May 2021)
Tax Bill	$6,592 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`08530-0300-00354-000`

Property Details

APN / Parcel Number

Primary APN	`08530-0300-00354-000`
Alternative APN	`64970`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,105 sqft Living Area
Gross Area	2,765 sqft
1st Floor Area	2,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	103,237 sqft
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Location & Zoning

Street Address	440 WHITEWATER DR
City	BERTRAM
State	TX
Zip	78605-4590
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S8530 WHITEWATER SPRINGS LOT 354 SEC 3
Legal Subdivision	WHITEWATER SPRINGS
Legal Block	2
Legal Lot Number	354
Jurisdiction	BURNET TX
Township / Civil Division	BURNET
Census Block Group	2
Census Block	2074
Census Tract	960402

Owner

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

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	440 WHITEWATER DR, BERTRAM, TX 78605-4590
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage VETERANS UNITED HOME LOANS
May 16, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Deed Document Number	20218710
Prior Transfer Date	May 19, 2021
Prior Transfer Doc	0000008710
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	440 WHITEWATER DR, BERTRAM, TX 78605-4590
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202114538
Date	Aug 31, 2021
Instrument	202114538

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company
Address	AUSTIN, TX 78701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	440 WHITEWATER DR, BERTRAM, TX 78605-4590
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	NOT AVAILABLE, PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202207576
Date	May 16, 2022
Instrument	202207576

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$602,722 (+0.96%) Land $125,397 Building $477,325	$602,722 (+0.96%) Land $125,397 Building $477,325
2025	$6,592.00 (-18.1%) Homeowner's exemption	$597,000 (+20.46%) Land $120,020 Building $476,980	$597,000 (+20.46%) Land $120,020 Building $476,980
2024	$8,049.00 (+21.77%)
2023	$6,610.00	$495,616 Land $92,032 Building $403,584	$495,616 Land $92,032 Building $403,584

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 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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	High above 75% of the US · above 67% of Texas
Wildfire Likelihood	0.3% 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	WHITEWATER SPRINGS WATER SYSTEM private · serves 450 people · EPA ID TX0270124
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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