4587 S FM 1174, Bertram, TX 78605 Property Records

Burnet County property record for 4587 S FM 1174, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	2,678 sqft · built 2020
Lot Size	13 acres (566,280 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Apr 2017)
Tax Bill	$9,252 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B0001000001150000`

Property Details

APN / Parcel Number

Primary APN	`B0001000001150000`
Alternative APN	`47062`

Interior

Stories	1 Story
Building Area	2,678 sqft Living Area
Gross Area	4,610 sqft
1st Floor Area	2,205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	566,280 sqft
Garage Type	Attached
Garage Area	1,932 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	960 sqft
Porch	Porch
Canopy	520 sqft
Storage Building	280 sqft
Pole Barn	60 sqft

Location & Zoning

Street Address	4587 S FM 1174
City	BERTRAM
State	TX
Zip	78605-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABS A0001 D.F. OWEN, 13.0 ACRES
Legal Subdivision	D.F. OWEN
Legal Block	1
Jurisdiction	BURNET TX
Township / Civil Division	BERTRAM
Census Block Group	1
Census Block	1076
Census Tract	960102

Owner

4587 S FM 1174 is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1080, BERTRAM, TX 78605-1080
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
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SFMC LP
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Apr 19, 2017	Deed, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2017 · Amount on File
Deed Sale	Apr 19, 2017 · Amount on File
Deed Document Number	20173740
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	4587 S FM 1174, BERTRAM, TX 78605-4906
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202015630
Date	Nov 25, 2020
Instrument	202015630

Lender

Name	SFMC LP
Type	Non-Lending Institution
Address	TYLER, TX 75701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	4587 S FM 1174, BERTRAM, TX 78605-4906
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4587 N FM 1174, BERTRAM, TX 78605-3781

Mortgage

Document Number	0202307563
Date	Jul 31, 2023
Instrument	202307563

Lender

Name	CADENCE BANK NA
Type	Bank
Address	HORSESHOE BAY, TX 78657

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BURNET TX
Recording Date	Apr 19, 2017
Property Address	4587 S FM 1174, BERTRAM, TX 78605-4906
Document Number	0201703740
Map Reference	VL 218 PG758
Instrument Date	Apr 10, 2017
Instrument	201703740
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 578, BURNET, TX 78611-0578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3303 CRYSTAL HILL DR, CEDAR PARK, TX 78613-4364

Mortgage

Document Number	0201703741
Date	Apr 19, 2017
Instrument	201703741

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4587 S FM 1174 was $9,252 with a homeowner's exemption, down 0.6% from the year before.

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		$800,195 (-) Land $22,434 Building $777,761	$1,060,276 (-) Land $282,515 Building $777,761
2025	$9,252.00 (-0.56%) Homeowner's exemption	$800,195 Land $22,434 Building $777,761	$1,060,276 Land $282,515 Building $777,761
2024	$9,304.00 (+10.25%)
2023	$8,439.00 Homeowner's exemption	$783,793 Land $20,596 Building $763,197	$1,020,597 Land $257,400 Building $763,197

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

Flood

FEMA maps place 4587 S FM 1174 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 4587 S FM 1174 is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Heritage Broadband Fixed Wireless	1,000 / 100
Rise Broadband Fixed Wireless	300 / 60
Western Broadband Fixed Wireless	200 / 40

May also be available: SOS Communications, Verizon.

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