445 Whiteoak Dr, Lumberton, TX 77657 Property Records

Hardin County property record for 445 Whiteoak Dr, Lumberton, TX 77657

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,041 sqft · built 1995
Lot Size	0.634 acres (27,600 sqft)
Owner	2 Individual Names on File
Last Sale	$150,300 (Jul 2017)
Tax Bill	$2,296 (2026)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013650-000950`

Property Details

APN / Parcel Number

Primary APN	`013650-000950`
Alternative APN	`44737`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,041 sqft Living Area
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2017
Exterior Material	Aluminum Siding
Construction Type	Brick
Lot Area	27,600 sqft (0.634 acres)
Lot Dimensions	276 ft deep x 100 ft wide
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	267 sqft
Canopy	120 sqft
Utility Building	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	44737
Street Address	445 WHITEOAK DR
City	LUMBERTON
State	TX
Zip	77657-7195
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S13650 WOODLAND HEIGHTS, LOT 17, ACRES .6336
Legal Subdivision	WOODLAND HEIGHTS
Legal Lot Number	17
Jurisdiction	HARDIN TX
Township / Civil Division	LUMBERTON
Census Block Group	3
Census Block	3007
Census Tract	30501

Owner

445 Whiteoak Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	445 WHITEOAK DR, LUMBERTON, TX 77657-7195
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on File
Deed Sale	Jul 3, 2017 · Amount on File
Prior Sale	Apr 13, 2009 · Amount on File
Deed Document Number	201775562
Prior Transfer Date	Jun 22, 2017
Prior Transfer Doc	0000075562
Record Updated	Oct 29, 2026

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARDIN TX
Recording Date	Jul 3, 2017
Property Address	445 WHITEOAK DR, LUMBERTON, TX 77657-7195
Document Number	0000075562
Map Reference	VOL3 PG53
Instrument Date	Jun 22, 2017
Instrument	2017-75562
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 WHITEOAK DR, LUMBERTON, TX 77657-7195

Mortgage

Document Number	0000075563
Date	Jul 3, 2017
Instrument	2017-75563

Lender

Name	CITY BANK MORTGAGE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 445 Whiteoak Dr was $2,296 with a homeowner's exemption, up 165.1% from the year before.

Source: Hardin County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,296.00 (+165.13%) Homeowner's exemption	$132,850 (-1.87%) Land $20,000 Building $112,850	$132,850 (-1.87%) Land $20,000 Building $112,850
2025	$866.00 (-28.84%) Homeowner's exemption	$135,386 (-) Land $20,000 Building $115,386	$135,386 (-) Land $20,000 Building $115,386
2024	$1,217.00 (-8.08%) Homeowner's exemption	$135,386 (-1.84%) Land $20,000 Building $115,386	$135,386 (-1.84%) Land $20,000 Building $115,386
2023	$1,324.00 Homeowner's exemption	$137,921 Land $20,000 Building $117,921	$137,921 Land $20,000 Building $117,921

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

Flood

FEMA maps place 445 Whiteoak Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	2 (2015–2017)
Most Recent Claim	Aug 2017 · Hurricane Harvey

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 445 Whiteoak Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 66% of Texas
Wildfire Likelihood	0.1% 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	LUMBERTON MUD serves 31,428 people · EPA ID TX1000035
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Highline Internet Fiber	1,000 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20