643 Co Rd 1430, Bonham, TX 75418 Property Records

Fannin County property record for 643 Co Rd 1430, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,004 sqft · built 1982
Lot Size	3.6 acres (156,990 sqft)
Owner	Individual Name on File
Tax Bill	$3,196 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0198-050-0000-05`

Property Details

APN / Parcel Number

Primary APN	`0198-050-0000-05`
Alternative APN	`73181`

Interior

Full Baths	2 Baths
Building Area	3,004 sqft Living Area
1st Floor Area	1,484 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1982
Exterior Material	Brick
Construction Type	Wood Frame
Lot Area	156,990 sqft (3.6 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	320 sqft
Patio Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	0198-050-0000-05
Old Parcel Number	73181
Street Address	643 COUNTY ROAD 1430
City	BONHAM
State	TX
Zip	75418-7844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0198 H COX, ACRES 3.604
Legal Subdivision	HUGH COX SURV ABS 198
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	1
Census Block	1017
Census Tract	950402

Owner

643 Co Rd 1430 is owned and occupied by an individual who acquired it in February 2015.

Source: Fannin County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	643 COUNTY ROAD 1430, BONHAM, TX 75418-7844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2015
Deed Sale	Feb 25, 2015
Deed Document Number	2015-774
Deed Book / Page	1786 / 172
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	643 COUNTY ROAD 1430, BONHAM, TX 75418-7844
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021008727
Date	Nov 24, 2021
Instrument	2021008727

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	643 COUNTY ROAD 1430, BONHAM, TX 75418-7844
Transaction Type	Mortgage
Record Updated	Oct 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019006448
Date	Oct 15, 2019
Instrument	2019006448

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Unified School District	Bonham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$378,350 Land $115,600 Building $262,750	$378,350 Land $115,600 Building $262,750
2024	$3,196.00
2023		$378,490 Land $126,750 Building $251,740	$378,490 Land $126,750 Building $251,740
2018	$2,750.00

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

Flood

FEMA maps place 643 Co Rd 1430 in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective June 16, 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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1990–2019)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Feb 2019 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2018 · 2 claims

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 643 Co Rd 1430 is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.09% 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	WHITE SHED WSC serves 2,441 people · EPA ID TX0740035
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 1430

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