676 Whitewater Dr, Bertram, TX 78605 Property Records

Burnet County property record for 676 Whitewater Dr, Bertram, TX 78605

Property Summary

Property Type	Single Family Home
Details	2,094 sqft · built 2016
Lot Size	4.93 acres (214,751 sqft)
Owner	Individual Name on Record
Last Sale	$583,870 (Jun 2023)
Tax Bill	$7,286 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08530040000447A00`

Property Details

APN / Parcel Number

Primary APN	`08530040000447A00`
Alternative APNs	`08530040000447000` `65033`

Interior

Stories	1 Story
Building Area	2,094 sqft Living Area
Gross Area	2,713 sqft
1st Floor Area	2,094 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	214,751 sqft
Garage Type	Attached
Garage Area	619 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	459 sqft
Porch	Porch
Porch Area	406 sqft
Patio Area	490 sqft
Utility Building	525 sqft

Location & Zoning

Street Address	676 WHITEWATER DR
City	BERTRAM
State	TX
Zip	78605-4569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S8530 WHITEWATER SPRINGS LOT 447-A, SEC 4 4.93
Legal Subdivision	WHITEWATER SPRINGS
Legal Block	2
Legal Lot Number	447-A
Jurisdiction	BURNET TX
Township / Civil Division	BURNET
Census Block Group	2
Census Block	2074
Census Tract	960402

Owner

Source: Burnet County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Line of Credit SIMMONS BANK
Jun 28, 2023	Vendor's Lien, Transfer · Conventional Mortgage SECURE CHOICE LENDING
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 9, 2017	Warranty Deed, Transfer HIGHLAND LAKES TITLE-BURNET, HIGHLAND LAKES TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Jan 9, 2017
Deed Document Number	20236211
Prior Transfer Date	Jun 16, 2015
Prior Transfer Doc	0000004979
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202401641
Date	Feb 20, 2024
Instrument	202401641

Lender

Name	SIMMONS BANK
Type	Bank
Address	SAN ANTONIO, TX 78216

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 2, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BURNET TX
Recording Date	Jun 28, 2023
Property Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569
Document Number	0202306211
Map Reference	DOC 201902821
Instrument Date	Jun 23, 2023
Instrument	202306211
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569

Mortgage

Document Number	0202306212
Date	Jun 28, 2023
Instrument	202306212

Lender

Name	SECURE CHOICE LENDING
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURNET TX
Property Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103239
Date	Mar 5, 2021
Instrument	202103239

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURNET TX
Recording Date	Jan 9, 2017
Property Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569
Document Number	201700316
Map Reference	VL887PG336
Instrument Date	Jan 5, 2017
Instrument	201700316
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	HIGHLAND LAKES TITLE-BURNET, HIGHLAND LAKES TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 S MO PAC EXPY STE EXPY2225, 901, AUSTIN, TX 78746-5933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 WHITEWATER DR, BERTRAM, TX 78605-4569

Tax Assessment & Valuation

Source: Burnet County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Burnet County
Unified School District	Burnet Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$578,177 (-11.05%) Land $173,700 Building $404,477	$578,177 (-11.05%) Land $173,700 Building $404,477
2025	$7,286.00 (-14.18%) Homeowner's exemption	$650,000 (+7.04%) Land $174,160 Building $475,840	$650,000 (+7.04%) Land $174,160 Building $475,840
2024	$8,490.00 (+66.44%)
2023	$5,101.00 (-11.7%) Homeowner's exemption	$607,223 (+14.22%) Land $97,614 Building $509,609	$607,223 (+14.22%) Land $97,614 Building $509,609
2022	$5,777.00 Homeowner's exemption	$531,605 Land $97,614 Building $433,991	$531,605 Land $97,614 Building $433,991

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 October 8, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · Severe Storms, Straight-line Winds, And 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	High above 74% of the US · above 65% 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	WHITEWATER SPRINGS WATER SYSTEM private · serves 450 people · EPA ID TX0270124
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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.

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)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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