615 Whispering Oaks, Sunset, TX 76270 Property Records

Montague County property record for 615 Whispering Oaks, Sunset, TX 76270

Property Summary

Property Type	Single Family Home
Details	2,200 sqft · built 2019
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,225 (2026)
Deeds & Mortgages	Aug 2026 Sale Feb 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R000022567`

Property Details

APN / Parcel Number

Primary APN	`R000022567`
Alternative APN	`32225.0003.0260.0000`

Interior

Building Area	2,200 sqft Total Area
Upper Floors Area	200 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	218,236 sqft (5.01 acres)
Garage Area	529 sqft
Porch	Porch
Porch Area	170 sqft
Patio Area	348 sqft

Location & Zoning

Account Number	32225.0003.0260.0000
Street Address	615 WHISPERING OAKS
City	SUNSET
State	TX
Zip	76270-6572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 5.010 LOT 260 PHASE 3 SILVER LAKES RANCH
Legal Subdivision	SILVER LAKES RANCH
Legal Lot Number	260
Jurisdiction	MONTAGUE TX
Township / Civil Division	BOWIE
Census Block Group	2
Census Block	2090
Census Tract	950401

Owner

Source: Montague 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	2 Company Names on Record
Mailing Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage FLEXPOINT INC
Sep 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage JAY BEARDEN
Sep 21, 2018	Deed of Trust, Mortgage · Construction Mortgage LEGEND BANK NA
Jul 17, 2019	Deed of Trust, Mortgage · Construction Mortgage LEGEND BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTAGUE TX
Recording Date	Aug 24, 2026
Property Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Document Number	0000003499
Instrument Date	Aug 18, 2026
Instrument	20263499
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Investor	Possibly a Property Investor

Mortgage

Document Number	0002600536
Date	Feb 12, 2026
Instrument	2600536

Lender

Name	FLEXPOINT INC
Type	Mortgage Company
Address	LAS VEGAS, NV 89144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001804191
Date	Sep 21, 2018
Instrument	1804191

Lender

Name	JAY BEARDEN
Type	Private Party
Address	PO BOX 1081, BOWIE, TX 76230

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001804190
Date	Sep 21, 2018
Instrument	1804190

Lender

Name	LEGEND BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	615 WHISPERING OAKS, SUNSET, TX 76270-6572
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001902863
Date	Jul 17, 2019
Instrument	1902863

Lender

Name	LEGEND BANK NA
Type	Bank
Address	BOWIE, TX 76230

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montague County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montague County
Unified School District	Alvord Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,225.00 (+285.93%) Homeowner's exemption Senior Citizen's exemption	$456,710 (+0.2%) Land $40,080 Building $416,630	$456,710 (+0.2%) Land $40,080 Building $416,630
2025	$1,613.00 (+15.79%) Homeowner's exemption Senior Citizen's exemption	$455,800 (+22.09%) Land $40,080 Building $415,720	$455,800 (+22.09%) Land $40,080 Building $415,720
2023		$373,320 Land $40,080 Building $333,240	$373,320 Land $40,080 Building $333,240
2022	$1,393.00

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 August 16, 2011 · 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 Record median of 28 policies
Nearby Flood Policies	28 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

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

Wildfire Risk	Moderate above 67% of the US · above 54% of Texas
Wildfire Likelihood	0.3% 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 BOWIE serves 5,534 people · EPA ID TX1690001
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2022–2024) 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AMA TechTel Communications Fixed Wireless	100 / 20
Comcell Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Rise Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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