704 Charter St, Columbus, TX 78934 Property Records

Colorado County property record for 704 Charter St, Columbus, TX 78934

Property Summary

Property Type	Single Family Home
Details	1,568 sqft · built 2002
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,784 (Dec 2025)
Tax Bill	$3,711 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Apr 2006 Second Mortgage + 6 more
Flood Zone	Zone X (moderate risk)
APN	`1062021701600`

Property Details

APN / Parcel Number

Primary APN	`1062021701600`
Alternative APN	`55109`

Interior

Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Area	380 sqft
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	55109
Street Address	704 CHARTER ST
City	COLUMBUS
State	TX
Zip	78934-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK Q LT PT S-16 COLUMBUS & HOUSE
Legal Subdivision	TRINITY MANUFACTURING INC SUBDIVISION
Legal Block	Q
Jurisdiction	COLORADO TX
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1069
Census Tract	750400

Owner

Source: Colorado 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 Individual Names on Record
Mailing Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS DEPT OF HOUSING & CMNTY AFFAIRS
Apr 5, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EARTH MORTGAGE LP
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Dec 17, 2025	Vendor's Lien, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Apr 17, 2020	Vendor's Lien, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Apr 17, 2020	Vendor's Lien, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Apr 5, 2006	Warranty Deed, Transfer · ARM EARTH MORTGAGE LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Apr 17, 2020 · Amount on Record
Deed Document Number	20255100
Deed Book / Page	1112 / 264
Prior Transfer Date	Apr 14, 2020
Prior Transfer Doc	925/841
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLORADO TX
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	UPWARD TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001112/281
Date	Dec 17, 2025
Book Page	1112/281
Instrument	5102

Lender

Name	TEXAS DEPT OF HOUSING & CMNTY AFFAIRS
Type	Government Agency
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLORADO TX
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00521/0530
Date	Apr 5, 2006
Book Page	0521/0530
Instrument	01674

Lender

Name	EARTH MORTGAGE LP
Type	Non-Lending Institution
Address	CARROLLTON, TX 75006

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2021

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLORADO TX
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CHARTER ST, COLUMBUS, TX 78934-1906

Mortgage

Document Number	000964/128
Date	Jun 8, 2021
Book Page	964/128
Instrument	2374

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	May 1, 2050

December 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLORADO TX
Recording Date	Dec 17, 2025
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Document Number	001112/264
Book / Page	1112 / 264
Map Reference	VOL 925 PG 841
Instrument Date	Nov 25, 2025
Instrument	5100
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	UPWARD TITLE & CLOSING

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005101
Date	Dec 17, 2025
Instrument	5101

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLORADO TX
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CHARTER ST, COLUMBUS, TX 78934-1906

Mortgage

Document Number	964/128
Date	Jun 8, 2021
Book Page	964/128
Instrument	2374

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	May 1, 2050

April 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLORADO TX
Recording Date	Apr 17, 2020
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Document Number	925/841
Book / Page	925 / 841
Map Reference	SL 87
Instrument Date	Apr 14, 2020
Instrument	1443
Transaction Type	Transfer
Record Updated	Dec 2, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1018 ORSAK LN, 1018, COLUMBUS, TX 78934-4931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RAILROAD AVE, COLUMBUS, TX 78934-1851

Mortgage

Document Number	1444
Date	Apr 17, 2020
Instrument	1444

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLORADO TX
Recording Date	Apr 17, 2020
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Document Number	000925/841
Book / Page	925 / 841
Map Reference	SL 87
Instrument Date	Apr 14, 2020
Instrument	1443
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1018 ORSAK LN, COLUMBUS, TX 78934-4931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RAILROAD AVE, COLUMBUS, TX 78934-1851

Mortgage

Document Number	0000001444
Date	Apr 17, 2020
Instrument	1444

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLORADO TX
Recording Date	Apr 5, 2006
Property Address	704 CHARTER ST, COLUMBUS, TX 78934-1906
Document Number	00521/0509
Book / Page	0521 / 0509
Map Reference	SL 87
Instrument Date	Apr 3, 2006
Instrument	01672
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CHARTER ST, COLUMBUS, TX 78934-1906

Mortgage

Document Number	0000001673
Date	Apr 5, 2006
Instrument	01673

Lender

Name	EARTH MORTGAGE LP
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Apr 1, 2011
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	12.1%
Index	1-Year LIBOR
Max Rate	12.1%

Tax Assessment & Valuation

Source: Colorado County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,711.00 (+80.94%) Homeowner's exemption	$244,250 (+11.56%) Land $53,060 Building $191,190	$244,250 (+11.56%) Land $53,060 Building $191,190
2025	$2,051.00 (-36.99%) Homeowner's exemption	$218,950 (+19.39%) Land $53,330 Building $165,620	$218,950 (+19.39%) Land $53,330 Building $165,620
2023		$183,390 Land $25,140 Building $158,250	$183,390 Land $25,140 Building $158,250
2022	$3,255.00

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 February 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 40 policies
Nearby Flood Policies	40 in force
Nearby Flood Claims	11 (1981–2022)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Aug 2022 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 3 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.03% 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 COLUMBUS serves 3,860 people · EPA ID TX0450001
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	1 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	1 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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Colorado Valley Communications.

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