5468 Locust Rd, Gilmer, TX 75645 Property Records

Upshur County property record for 5468 Locust Rd, Gilmer, TX 75645

Property Summary

Property Type	Rural Home
Details	5,263 sqft · built 1973
Lot Size	18.2 acres (796,233 sqft)
Owner	2 Individual Names on File
Last Sale	$213,900 (Aug 2017)
Tax Bill	$3,212 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001U-S02-000-492`

Property Details

APN / Parcel Number

Primary APN	`001U-S02-000-492`
Alternative APN	`17327`

Interior

Building Area	5,263 sqft Living Area
1st Floor Area	2,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	796,233 sqft (18.2 acres)
Garage Type	Carport
Garage Area	460 sqft
Carport	Carport
Carport Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	001U-S02-000-492
Street Address	5468 LOCUST RD
City	GILMER
State	TX
Zip	75645-2913
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ABS A1 DAVENPORT, J B B,TRACT 492, 18.279 ACRES & HOUSE
Legal Subdivision	J B B DAVENPORT SURVEY A-1
Legal Tract	492
Jurisdiction	UPSHUR TX
Township / Civil Division	BIG SANDY
Census Block Group	2
Census Block	2019
Census Tract	950501

Owner

5468 Locust Rd, a rural home, is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5468 LOCUST RD, GILMER, TX 75645-2913
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
Oct 8, 2025	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Oct 4, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 23, 2017	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on File
Deed Sale	Aug 23, 2017 · Amount on File
Prior Sale	Apr 2, 2007 · Amount on File
Deed Document Number	20175538
Prior Transfer Date	Aug 18, 2017
Prior Transfer Doc	0201705538
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	5468 LOCUST RD, GILMER, TX 75645-2913
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5468 LOCUST RD, GILMER, TX 75645-2913

Mortgage

Document Number	0202506360
Date	Oct 8, 2025
Instrument	202506360

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Oct 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UPSHUR TX
Property Address	5468 LOCUST RD, GILMER, TX 75645-2913
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5468 LOCUST RD, GILMER, TX 75645-2913

Mortgage

Document Number	202107843
Date	Oct 4, 2021
Instrument	202107843

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	UPSHUR TX
Recording Date	Aug 23, 2017
Property Address	5468 LOCUST RD, GILMER, TX 75645-2913
Document Number	201705538
Instrument Date	Aug 18, 2017
Instrument	201705538
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5468 LOCUST RD, GILMER, TX 75645-2913

Mortgage

Document Number	201705539
Date	Aug 23, 2017
Instrument	201705539

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 5468 Locust Rd was $3,212 with a homeowner's exemption, up 98.5% from the year before.

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	$3,212.00 (+98.52%) Homeowner's exemption	$333,190 (-2.75%) Land $140,220 Building $192,970	$333,190 (-6.53%) Land $140,220 Building $192,970
2025	$1,618.00 Homeowner's exemption Additional exemption filed	$342,611	$356,450 Land $156,040 Building $200,410
2023		$172,223	$374,690 Land $187,500 Building $187,190
2022	$2,285.00

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

Flood

FEMA maps place 5468 Locust Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 5468 Locust Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 42% of Texas
Wildfire Likelihood	0.2% 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	PRITCHETT WSC serves 10,089 people · EPA ID TX2300012
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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