512 Bell St, Wharton, TX 77488 Property Records

Wharton County property record for 512 Bell St, Wharton, TX 77488

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1952
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$87,726 (Nov 2022)
Tax Bill	$725 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2022 Second Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`10285-000-003-00`

Property Details

APN / Parcel Number

Primary APN	`10285-000-003-00`
Alternative APNs	`R013037` `13037`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	828 sqft Living Area
1st Floor Area	828 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1982
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Account Number	1028500000300
Street Address	512 BELL ST
City	WHARTON
State	TX
Zip	77488-5402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTMAN LOT 3
Legal Subdivision	COTMAN
Legal Block	1
Legal Lot Number	3
Jurisdiction	WHARTON TX
Township / Civil Division	WHARTON
Census Block Group	1
Census Block	1047
Census Tract	740300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	512 BELL ST, WHARTON, TX 77488-5402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Nov 23, 2022	Vendor's Lien, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	20227462
Deed Book / Page	1289 / 706
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHARTON TX
Property Address	512 BELL ST, WHARTON, TX 77488-5402
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 BELL ST, WHARTON, TX 77488-5402

Mortgage

Document Number	001405/217
Date	Dec 1, 2025
Book Page	1405/217
Instrument	2025-00006254

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2050

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHARTON TX
Property Address	512 BELL ST, WHARTON, TX 77488-5402
Transaction Type	Mortgage
Record Updated	Nov 16, 2023
Title Company	TITLE PARTNERS, TITLE PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 BELL ST, WHARTON, TX 77488-5402

Mortgage

Document Number	001289/728
Date	Nov 23, 2022
Book Page	1289/728
Instrument	2022-00007464

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	35 Months
Due	Oct 7, 2025

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WHARTON TX
Recording Date	Nov 23, 2022
Property Address	512 BELL ST, WHARTON, TX 77488-5402
Document Number	001289/706
Book / Page	1289 / 706
Map Reference	VOL 223 PG 453
Instrument Date	Oct 7, 2022
Instrument	2022-00007462
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	TITLE PARTNERS, TITLE PARTNERS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	512 BELL ST, WHARTON, TX 77488-5402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 BELL ST, WHARTON, TX 77488-5402

Mortgage

Document Number	0001289710
Date	Nov 23, 2022
Instrument	1289/710

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Wharton County assessment roll, as of September 22, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,785 (+4.29%) Land $10,150 Building $64,635	$74,785 (+4.29%) Land $10,150 Building $64,635
2025	$725.00 (-41.06%) Homeowner's exemption	$71,708 (+3.91%) Land $10,150 Building $61,558	$71,708 (+3.91%) Land $10,150 Building $61,558
2023		$69,013 Land $10,750 Building $58,263	$69,013 Land $10,750 Building $58,263
2022	$1,230.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	90 (1991–2026)
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Harvey, Sep 2017 · 35 claims Severe Storms And Flooding, Apr 2016 · 9 claims Flooding 10/18/98, Oct 1998 · 7 claims

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	CITY OF WHARTON serves 8,756 people · EPA ID TX2410005
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	58 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fiber	1,000 / 200
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Skynet Fixed Wireless	100 / 50

May also be available: AT&T, Nextlink.

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