540 FM 2201, Santo, TX 76472 Property Records

Palo Pinto County property record for 540 FM 2201, Santo, TX 76472

Property Summary

Property Type	Single Family Home
Details	1,916 sqft · built 1969
Lot Size	0.939 acres (40,903 sqft)
Owner	Individual Name on Record
Tax Bill	$2,160 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R000015485`

Property Details

APN / Parcel Number

Primary APN	`R000015485`
Alternative APN	`115530000`

Interior

Building Area	1,916 sqft Living Area

Exterior

Year Built	Built 1969
Lot Area	40,903 sqft (0.939 acres)
Garage Area	552 sqft
Porch	Porch
Porch Area	295 sqft

Location & Zoning

Account Number	R000015485
Old Parcel Number	R000015485
Street Address	540 FM 2201
City	SANTO
State	TX
Zip	76472-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANTO CROUCH #2 BLK 2 LTS E/2 OF 2 & ALL 3 G#C0750-02-00020-003-0A-0
Legal Subdivision	SANTO CROUCH #2
Legal Block	2
Legal Lot Number	2
Jurisdiction	PALO PINTO TX
Township / Civil Division	PALO PINTO-SANTO
Census Block Group	2
Census Block	2089
Census Tract	300

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	540 FM 2201, SANTO, TX 76472-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 8, 2018	Vendor's Lien, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2018
Deed Sale	Jun 8, 2018
Deed Document Number	2989
Deed Book / Page	2231 / 117
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO PINTO TX
Property Address	540 FM 2201, SANTO, TX 76472-3302
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2388/851
Date	Jul 20, 2021
Book Page	2388/851
Instrument	2021-00005001

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Aug 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALO PINTO TX
Property Address	540 FM 2201, SANTO, TX 76472-3302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2307/643
Date	Mar 12, 2020
Book Page	2307/643
Instrument	2020-00001354

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PALO PINTO TX
Recording Date	Jun 8, 2018
Property Address	540 FM 2201, SANTO, TX 76472-3302
Document Number	2231/0117
Book / Page	2231 / 0117
Map Reference	VOL 2 PG 13
Instrument Date	May 25, 2018
Instrument	2018-00002989
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2970 LIVE OAK RD, 2970, SANTO, TX 76472-3863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 FM 2201, SANTO, TX 76472-3302

Mortgage

Document Number	201800002990
Date	Jun 8, 2018
Instrument	2018-00002990

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Palo Pinto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Palo Pinto County
Unified School District	Santo Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$273,060 (+5.59%) Land $84,510 Building $188,550	$273,060 (+5.59%) Land $84,510 Building $188,550
2024	$2,160.00 (-16.41%)
2023		$258,610 Land $82,630 Building $175,980	$258,610 Land $82,630 Building $175,980
2018	$2,584.00

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 March 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2010–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · rainfall accumulation

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	High above 70% of the US · above 59% of Texas
Wildfire Likelihood	0.4% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, Verizon.

Nearby Properties on FM 2201

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures