545 Spruce Dr, Reno (Paris), TX 75462 Property Records

Lamar County property record for 545 Spruce Dr, Reno, TX 75462

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,892 sqft · built 1988
Lot Size	0.239 acres (10,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,920 (Aug 2023)
Tax Bill	$3,391 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103250`

Property Details

APN / Parcel Number

Primary APN	`103250`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Living Area
1st Floor Area	1,892 sqft
Utility Area	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	109 ft deep x 96 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	103250
Street Address	545 SPRUCE DR
City	RENO
State	TX
Zip	75462-5850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE VALLEY, LOT 36, 545 SPRUCE DR 545 SPRUCE DR
Legal Subdivision	PINE VALLEY
Legal Tract	36
Legal Lot Number	36
Jurisdiction	LAMAR TX
Township / Civil Division	PARIS
Census Block Group	2
Census Block	2014
Census Tract	402

Owner

Source: Lamar County records, as of September 15, 2026

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	545 SPRUCE DR, RENO, TX 75462-5850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE INC
Feb 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 20, 2017	Vendor's Lien, Transfer · VA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	2023207058
Record Updated	Oct 29, 2026

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LAMAR TX
Recording Date	Aug 31, 2023
Property Address	545 SPRUCE DR, RENO, TX 75462-5850
Document Number	2070582023
Map Reference	ENV 282-C
Instrument Date	Aug 31, 2023
Instrument	207058-2023
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	MASON TITLE COMPANY INC, STONE TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 SPRUCE DR, RENO, TX 75462-5850

Mortgage

Document Number	2070592023
Date	Aug 31, 2023
Instrument	207059-2023

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAMAR TX
Property Address	545 SPRUCE DR, RENO, TX 75462-5850
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1795562021
Date	Feb 26, 2021
Instrument	179556-2021

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LAMAR TX
Recording Date	Oct 20, 2017
Property Address	545 SPRUCE DR, RENO, TX 75462-5850
Document Number	1477962017
Map Reference	ENV 282-C
Instrument Date	Oct 20, 2017
Instrument	147796-2017
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 SPRUCE DR, RENO, TX 75462-5850

Mortgage

Document Number	1477972017
Date	Oct 20, 2017
Instrument	147797-2017

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Lamar County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,391.00 (-25.23%) Homeowner's exemption	$341,440 (+21.94%) Land $31,550 Building $309,890	$341,440 (+21.94%) Land $31,550 Building $309,890
2025	$4,535.00 (+104.74%) Homeowner's exemption	$280,000 (-16.87%) Land $32,980 Building $247,020	$280,000 (-16.87%) Land $32,980 Building $247,020
2023		$336,820 (+101.63%) Land $30,970 Building $305,850	$336,820 (+101.63%) Land $30,970 Building $305,850
2022	$2,215.00 (-1.99%) Homeowner's exemption Senior Citizen's exemption	$167,050 Land $7,740 Building $159,310	$167,050 Land $7,740 Building $159,310
2021	$2,260.00

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 February 5, 2021 · 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
Nearby Flood Claims	5 (2002–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jan 2024 · other causes

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 64% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% 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	CITY OF PARIS serves 25,498 people · EPA ID TX1390002
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Wifires Internet Fiber · Fixed Wireless	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Nextlink, Vyve Broadband.

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