604 SE 3rd St, Kerens, TX 75144 Property Records

Navarro County property record for 604 SE 3rd St, Kerens, TX 75144

Property Summary

Property Type	Single Family Home
Details	1,260 sqft · built 1925
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$171,564 (Mar 2024)
Tax Bill	$3,575 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32045`

Property Details

APN / Parcel Number

Primary APN	`32045`
Alternative APN	`K0100.00.00800.017.00.0`

Interior

Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,288 sqft
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2021
Roof Type	Hip
Roof Material	Other
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	140 ft deep x 140 ft wide
Porch	Slab
Porch Area	28 sqft

Location & Zoning

Account Number	K0100.00.00800.017.00.0
Street Address	604 SE 3RD ST
City	KERENS
State	TX
Zip	75144-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	K0100 KERENS OT BLK 80 LOT PT OF 17 .27 ACRES (140 X 84) (140 X 84)
Legal Subdivision	KERENS OT
Legal Block	80
Legal Lot Number	17
Jurisdiction	NAVARRO TX
Township / Civil Division	KERENS
Census Block Group	1
Census Block	1063
Census Tract	970600

Owner

604 SE 3rd St is owned and occupied by an individual who bought it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	604 SE 3RD ST, KERENS, TX 75144-3208
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 10, 2025	Deed of Trust, Mortgage · FHA Mortgage O
Mar 8, 2024	Vendor's Lien, Transfer EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2024 · Amount on File
Deed Sale	Mar 8, 2024 · Amount on File
Prior Sale	Feb 7, 2022 · Amount on File
Deed Document Number	20241996
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAVARRO TX
Property Address	604 SE 3RD ST, KERENS, TX 75144-3208
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 SE 3RD ST, KERENS, TX 75144-3208

Mortgage

Document Number	2025009334
Date	Oct 10, 2025
Instrument	2025-009334

Lender

Name	O
Type	Private Party
Address	1371 SAWGRASS CORPORATE PKWY, SUNRISE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

March 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	NAVARRO TX
Recording Date	Mar 8, 2024
Property Address	604 SE 3RD ST, KERENS, TX 75144-3208
Document Number	2024001996
Map Reference	DOC 2021-00004865
Instrument Date	Mar 5, 2024
Instrument	2024-001996
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 MILLRIDGE DR, MESQUITE, TX 75150-8218

Mortgage

Document Number	2024001997
Date	Mar 8, 2024
Instrument	2024-001997

Lender

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

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	2024001998
Date	Mar 8, 2024
Instrument	2024-001998

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 5, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 604 SE 3rd St was $3,575, up 82% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,575.00 (+82.03%)	$169,913 (+6.72%) Land $15,643 Building $154,270	$169,913 (+6.72%) Land $15,643 Building $154,270
2025	$1,964.00 (-4.47%)	$159,210 Land $15,640 Building $143,570	$159,210 Land $15,640 Building $143,570
2024	$2,056.00
2023		$140,640 Land $15,640 Building $125,000	$140,640 Land $15,640 Building $125,000
2022	$3,941.00

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

Flood

FEMA maps place 604 SE 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force

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

Wildfire risk around 604 SE 3rd St is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.05% 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 KERENS serves 1,520 people · EPA ID TX1750005
Water Source	Purchased surface water from CITY OF CORSICANA PWS
Last State Inspection	Mar 2023
Lead	8 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2024
Treatment and Procedure	None last 10 years
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. 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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