4895 State Hwy 154 E, Gilmer, TX 75645 Property Records

Upshur County property record for 4895 State Hwy 154 E, Gilmer, TX 75645

Property Summary

Property Type	Residential
Details	1 ba · 2,813 sqft · built 1989
Lot Size	0.757 acres (32,975 sqft)
Owner	Individual Name on File
Tax Bill	$2,511 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`298U-S02-000-001-2`

Property Details

APN / Parcel Number

Primary APN	`298U-S02-000-001-2`
Alternative APN	`70544`

Interior

Full Baths	1 Bath
Building Area	2,813 sqft Total Area
1st Floor Area	1,329 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,975 sqft (0.757 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	298U-S02-000-001-2
Street Address	4895 STATE HIGHWAY 154 E
City	GILMER
State	TX
Zip	75645-6957
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	ABS A298 MCCARTER, WINSTON,TRACT 1-2, .757 ACRES & HOUSE
Legal Subdivision	WINSTON SURVEY A-298
Legal Tract	1
Jurisdiction	UPSHUR TX
Township / Civil Division	GILMER
Census Block Group	3
Census Block	3024
Census Tract	950301

Owner

4895 State Hwy 154 E, a residential property, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4895 STATE HIGHWAY 154 E, GILMER, TX 75645-6957
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
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit EAST TEXAS PROFESSIONAL CU
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH EAST TEXAS CU
Sep 25, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage NORTH EAST TEXAS CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	4895 STATE HIGHWAY 154 E, GILMER, TX 75645-6957
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202600216
Date	Jan 12, 2026
Instrument	202600216

Lender

Name	EAST TEXAS PROFESSIONAL CU
Type	Credit Union
Address	LONGVIEW, TX 75608

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 12, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	4895 STATE HIGHWAY 154 E, GILMER, TX 75645-6957
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4895 STATE HIGHWAY 154 E, GILMER, TX 75645-6957

Mortgage

Document Number	202107676
Date	Sep 27, 2021
Instrument	202107676

Lender

Name	NORTH EAST TEXAS CU
Type	Credit Union
Address	LONE STAR, TX 75668

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	4895 STATE HIGHWAY 154 E, GILMER, TX 75645-6957
Transaction Type	Mortgage
Record Updated	Oct 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201706251
Date	Sep 25, 2017
Instrument	201706251

Lender

Name	NORTH EAST TEXAS CU
Type	Credit Union
Address	LONE STAR, TX 75668

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 15, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 4895 State Hwy 154 E was $2,511 with exemptions applied.

Source: Upshur County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Upshur County
Unified School District	Gilmer Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,511.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$181,670 (-3.21%) Land $38,660 Building $143,010	$181,670 (-3.21%) Land $38,660 Building $143,010
2025	Homeowner's exemption Senior Citizen's exemption Widower's exemption	$187,700 Land $42,490 Building $145,210	$187,700 Land $42,490 Building $145,210
2023		$179,210 Land $42,100 Building $137,110	$179,210 Land $42,100 Building $137,110

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

Flood

FEMA maps place 4895 State Hwy 154 E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 19, 2010 · 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
Nearby Flood Policies	1 in force

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 4895 State Hwy 154 E is moderate, ranking above 56% 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 56% of the US · lower than 63% 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	BI COUNTY WSC 1 serves 12,777 people · EPA ID TX0320002
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Etex Telephone Fiber	1,000 / 1,000

May also be available: Verizon.

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