645 Mitchell St, Winnsboro, TX 75494 Property Records

Franklin County property record for 645 Mitchell St, Winnsboro, TX 75494

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,485 sqft · built 1984
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,338 (Mar 2026)
Tax Bill	$1,165 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2026 Mortgage + 1 more
APN	`01200-01199-00004-000000`

Property Details

APN / Parcel Number

Primary APN	`01200-01199-00004-000000`
Alternative APN	`13745`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,485 sqft Total Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	240 ft deep x 188 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Porch	Porch
Porch Area	80 sqft

Location & Zoning

Account Number	13745
Street Address	645 MITCHELL ST
City	WINNSBORO
State	TX
Zip	75494-2081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 368 J S PIPPIN 92.52 X 225 TRACT 1 92.52 X 225 TRACT 2
Legal Subdivision	BENJAMIN REEVES SURVEY A 391
Legal Tract	1
Jurisdiction	FRANKLIN TX
Township / Civil Division	WINNSBORO
Census Block Group	1
Census Block	1006
Census Tract	950300

Owner

Source: Franklin County records, as of March 16, 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	645 MITCHELL ST, WINNSBORO, TX 75494-2081
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST NATIONAL BANK OF WINNSBORO
Mar 6, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 7, 2022	Vendor's Lien, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Mar 22, 2013 · Amount on Record
Deed Document Number	2026178062
Prior Transfer Date	Jan 28, 2022
Prior Transfer Doc	000427/482
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TX
Property Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081

Mortgage

Document Number	000456/817
Date	Dec 14, 2023
Book Page	456/817
Instrument	170553

Lender

Name	THE FIRST NATIONAL BANK OF WINNSBORO
Type	Bank
Address	WINNSBORO, TX 75494

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2038

Interest

Rate Type	Adjustable Rate

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN TX
Recording Date	Mar 6, 2026
Property Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081
Document Number	0000178062
Map Reference	VOL 102 PG 275
Instrument Date	Feb 28, 2026
Instrument	178062
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081

Mortgage

Document Number	0000178063
Date	Mar 6, 2026
Instrument	178063

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FRANKLIN TX
Recording Date	Apr 7, 2022
Property Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081
Document Number	000427/482
Book / Page	427 / 482
Instrument Date	Mar 17, 2022
Instrument	164902
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 TOMIE ST, 110, QUITMAN, TX 75783-1608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MITCHELL ST, WINNSBORO, TX 75494-2081

Mortgage

Date	Apr 7, 2022

Lender

Name	NOT AVAILABLE
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,165.00 (-44.81%) Homeowner's exemption	$138,740 (-28.91%) Land $20,680 Building $147,380	$168,060 (-13.89%) Land $20,680 Building $147,380
2023		$195,160 Land $18,800 Building $176,360	$195,160 Land $18,800 Building $176,360
2021	$2,111.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (2017)
Most Recent Claim	Apr 2017 · river or lake flooding

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 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.1% 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 WINNSBORO serves 3,614 people · EPA ID TX2500004
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2021
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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35
Peoples Communications Fixed Wireless · Fiber in parts of the area	500 / 60
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: Spectrum.

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