Palo Pinto County property record for 481 Capstone Ridge Dr, Santo, TX 76472
| Property Type | General Agricultural/Rural |
|---|---|
| Details | 2,080 sqft · built 2018 |
| Lot Size | 28.6 acres (1,248,865 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,098 (2024) |
| Deeds & Mortgages | Dec 2025 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R000564814 |
| Primary APN | R000564814 |
|---|---|
| Alternative APN |
|
| Building Area | 2,080 sqft Total Area |
|---|
| Year Built | Built 2018 |
|---|---|
| Lot Area | 1,248,865 sqft (28.6 acres) |
| Account Number | R000564814 |
|---|---|
| Street Address | 481 CAPSTONE RIDGE DR |
| City | SANTO |
| State | TX |
| Zip | 76472-3880 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Legal Description | AB 1390 TR 2-1 J SNOW G#11390-00-00020-001-00-0 |
| Legal Tract | 2-1 |
| Jurisdiction | PALO PINTO TX |
| Township / Civil Division | PALO PINTO-SANTO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 300 |
Source: Palo Pinto County records, as of October 31, 2025
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 | 481 CAPSTONE RIDGE DR, SANTO, TX 76472-3880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF TEXAS |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2017 |
| Deed Sale | Oct 20, 2017 |
| Deed Document Number | 5454 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Property Address | 481 CAPSTONE RIDGE DR, SANTO, TX 76472-3880 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002621/456 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 2621/456 |
| Instrument | 2025-00006794 |
| Name | CREDIT UNION OF TEXAS |
|---|---|
| Type | Credit Union |
| Address | ALLEN, TX 75013 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 5, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Property Address | 481 CAPSTONE RIDGE DR, SANTO, TX 76472-3880 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002351/608 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 2351/608 |
| Instrument | 2020-00007443 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Palo Pinto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Palo Pinto County |
| Unified School District | Santo Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,420 (-99.48%) | $396,360 (-15.13%) | |
| 2024 | $4,098.00 (+8,437.5%) | ||
| 2023 | $467,000 | $467,000 | |
| 2018 | $48.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 3, 2024 · 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 |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 6 (2016–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Nov 2024 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 71% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTO SUD serves 3,546 people · EPA ID TX1820010 |
|---|---|
| Water Source | Purchased surface water from CITY OF MINERAL WELLS |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Nextlink Fixed Wireless | 50 / 10 |
| AT&T Fixed Wireless | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures