528 S Main St, Winona, TX 75792 Property Records

Smith County property record for 528 S Main St, Winona, TX 75792

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,413 sqft · built 2010
Lot Size	0.831 acres (36,198 sqft)
Owner	Company Name on Record
Tax Bill	$14,969 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R150912`

Property Details

APN / Parcel Number

Primary APN	`R150912`
Alternative APN	`1-00000-0564-02-025010`

Interior

Building Area	7,413 sqft Total Area
Flooring	Tile
Overhead Door	Overhead Door

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Built-Up Asphalt
Lot Area	36,198 sqft (0.831 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	R150912
Street Address	528 S MAIN ST
City	WINONA
State	TX
Zip	75792-4832
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Subdivision	A0564 M LAGRONE
Jurisdiction	SMITH TX
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2031
Census Tract	1502

Owner

Source: Smith 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	Company Name on Record
Mailing Address	PO BOX 459, WINONA, TX 75792-0459
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK OF TEXAS
Oct 2, 2025	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS NATIONAL BANK OF TEXAS
May 14, 2020	Deed of Trust, Mortgage FIRST CITIZENS BK
Jun 7, 2018	Deed of Trust, Mortgage FROST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2009
Deed Sale	May 15, 2009
Deed Document Number	20092009-R00023248
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	528 S MAIN ST, WINONA, TX 75792-4832
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 S MAIN ST, WINONA, TX 75792-4832

Mortgage

Document Number	0001029652
Date	Oct 2, 2025
Instrument	202501029652

Lender

Name	CITIZENS NATIONAL BANK OF TEXAS
Type	Bank
Address	WAXAHACHIE, TX 75168

Agreement

Type	Line of Credit

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	528 S MAIN ST, WINONA, TX 75792-4832
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 S MAIN ST, WINONA, TX 75792-4832

Mortgage

Document Number	0001029651
Date	Oct 2, 2025
Instrument	202501029651

Lender

Name	CITIZENS NATIONAL BANK OF TEXAS
Type	Bank
Address	WAXAHACHIE, TX 75168

Agreement

Type	Commercial Mortgage

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	528 S MAIN ST, WINONA, TX 75792-4832
Document Number	0000015963
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	528 S MAIN ST WINONA TX 757924832, WINONA, TX 75792-4832

Mortgage

Document Number	0000015963
Date	May 15, 2020
Instrument	15963

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 14, 2027

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	528 S MAIN ST, WINONA, TX 75792-4832
Document Number	0000025732
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	528 S MAIN ST WINONA TX 757924832, WINONA, TX 75792-4832

Mortgage

Document Number	0000025732
Date	Jun 20, 2018
Instrument	25732

Lender

Name	FROST BK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Smith County
Municipality	Winona Town
Unified School District	Winona Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,969.00 (+2%)	$926,076 (-) Land $24,597 Building $901,479	$926,076 (-) Land $24,597 Building $901,479
2025	$12,474.00 (+10.78%)	$926,076 (+62.75%) Land $46,153 Building $879,923	$926,076 (+62.75%) Land $46,153 Building $879,923
2024	$11,260.00 (-0.72%)
2023	$11,342.00 (+15.24%)	$569,019 Land $46,334 Building $522,685	$569,019 Land $46,334 Building $522,685
2022	$9,842.00

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 2, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 52% of the US · lower than 72% of Texas
Wildfire Likelihood	0.08% 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 WINONA serves 1,245 people · EPA ID TX2120026
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Etex Telephone Fiber	1,000 / 1,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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