4561 FM 990, De Kalb, TX 75559 Property Records

Bowie County property record for 4561 FM 990, De Kalb, TX 75559 · Last verified June 2026

Property Summary

Property Type	Rural Home
Details	2,931 sqft · built 2021
Lot Size	20.1 acres (878,910 sqft)
Owner	2 Individual Names on File
Last Sale	$763,087 (Dec 2023)
Tax Bill	$6,543 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1500000200`

Property Details

APN / Parcel Number

Primary APN	`1500000200`
Alternative APNs	`01500000200` `2582`

Interior

Building Area	2,931 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	878,910 sqft (20.1 acres)

Location & Zoning

Account Number	01500000200
Street Address	4561 FM 990
City	DE KALB
State	TX
Zip	75559-5519
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	J H BENNETT A-17 2023-12103 12/15/23 BLK/TRACT 39 20.177 ACRES
Legal Subdivision	J H BENNETT A-17
Legal Tract	39
Legal Block	39
Jurisdiction	BOWIE TX
Township / Civil Division	DE KALB
Census Block Group	3
Census Block	3040
Census Tract	11602

Owner

Source: Bowie County records · APN 1500000200

Assessment roll updated May 26, 2026 · Last verified June 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 File
Mailing Address	194 COUNTY ROAD 3002, NEW BOSTON, TX 75570-6330
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Vendor's Lien, Transfer · ARM STATE BANK OF DE KALB
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit STATE BANK OF DELANO
Mar 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF DE KALB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Deed Document Number	202312103
Record Updated	Sep 20, 2026

December 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BOWIE TX
Recording Date	Dec 15, 2023
Property Address	4561 FM 990, DE KALB, TX 75559-5519
Document Number	202300012103
Instrument Date	Dec 14, 2023
Instrument	2023-00012103
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	TWIN CITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4651 FM 990, DE KALB, TX 75559-5547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 COUNTY ROAD 3002, NEW BOSTON, TX 75570-6330
Investor	Possibly a Property Investor

Mortgage

Document Number	202300012104
Date	Dec 15, 2023
Instrument	2023-00012104

Lender

Name	STATE BANK OF DE KALB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	300 Months
Due	Dec 14, 2048

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 14, 2028
Min Rate At Change	7%
Max Rate At Change	9.75%
Index	Prime Rate
Margin	1
Max Rate	13.7%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	4561 FM 990, DE KALB, TX 75559-5519
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004671
Date	Apr 26, 2021
Instrument	2021-00004671

Lender

Name	STATE BANK OF DELANO
Type	Bank
Address	TEXARKANA, TX 75503

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jul 15, 2026
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	10%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	4561 FM 990, DE KALB, TX 75559-5519
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002325
Date	Mar 04, 2021
Instrument	2021-00002325

Lender

Name	STATE BANK OF DE KALB
Type	Bank
Address	TEXARKANA, TX 75503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 01, 2024
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	Prime Rate
Margin	1
Max Rate	11.5%

Tax Assessment & Valuation

Source: Bowie County records · Assessment roll updated May 26, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bowie County
Unified School District	Simms Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,543.00 (-2.02%) Homeowner's exemption Additional exemption filed	$566,969 (+16.89%)	$655,202 (-) Land $96,814 Building $558,388
2024	$6,678.00 (+17.08%)		$655,202 (+22.32%) Land $96,814 Building $558,388
2023	$5,704.00 (+1,108.47%) Homeowner's exemption Additional exemption filed	$485,035	$535,662 Land $52,425 Building $483,237
2021	$472.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bowie County (48037C), updated November 1, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480370116023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 52% of Texas
Wildfire Likelihood	About 1 in 407 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 500

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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