7321 E FM 1396, Telephone, TX 75488 Property Records

Fannin County property record for 7321 E FM 1396, Telephone, TX 75488

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,008 sqft · built 2005
Lot Size	2.48 acres (108,290 sqft)
Owner	Individual Name on Record
Tax Bill	$1,961 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0276-017-0000-03`

Property Details

APN / Parcel Number

Primary APN	`0276-017-0000-03`
Alternative APN	`74017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	108,290 sqft (2.48 acres)
Porch	Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	0276-017-0000-03
Street Address	7321 E FM 1396
City	TELEPHONE
State	TX
Zip	75488-6827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0276 J DELGADA, ACRES 2.486
Legal Subdivision	JUANA DELGADA SURVEY ABSTRACT NO 276
Jurisdiction	FANNIN TX
Township / Civil Division	RAVENNA-TELEPHONE
Census Block Group	1
Census Block	1044
Census Tract	950800

Owner

Source: Fannin County records, as of December 2, 2025

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	7321 E FM 1396, TELEPHONE, TX 75488-6827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Vendor's Lien, Transfer · Conventional Mortgage F & M BANK
Mar 13, 2018	Vendor's Lien, Transfer · Conventional Mortgage PROSPERITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023
Deed Sale	Nov 20, 2023
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	20237360
Prior Transfer Date	Mar 9, 2018
Prior Transfer Doc	2025/0340
Record Updated	Sep 20, 2026

August 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Aug 27, 2021
Property Address	7321 E FM 1396, TELEPHONE, TX 75488-6827
Document Number	2021006249
Instrument Date	Aug 27, 2021
Instrument	2021006249
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3101 SAINT GERMAIN DR, 3101, MCKINNEY, TX 75070-4727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7321 E FM 1396, TELEPHONE, TX 75488-6827

Mortgage

Document Number	2021006250
Date	Aug 27, 2021
Instrument	2021006250

Lender

Name	F & M BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Mar 13, 2018
Property Address	7321 E FM 1396, TELEPHONE, TX 75488-6827
Document Number	2025/0340
Book / Page	2025 / 0340
Instrument Date	Mar 9, 2018
Instrument	2018-1366
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2710 FOREST HILL DR, 2710, AUBREY, TX 76227-7108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 SAINT GERMAIN DR, MC KINNEY, TX 75070-4727

Mortgage

Document Number	20181367
Date	Mar 13, 2018
Instrument	2018-1367

Lender

Name	PROSPERITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 9, 2028

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,961.00 (-32.59%) Homeowner's exemption	$229,310 (-32.07%) Land $92,700 Building $136,610	$229,310 (-32.07%) Land $92,700 Building $136,610
2024	$2,909.00 (+317.36%)
2023		$337,560 Land $191,000 Building $146,560	$337,560 Land $191,000 Building $146,560
2018	$697.00

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 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
Nearby Flood Policies	3 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 55% of the US · lower than 66% of Texas
Wildfire Likelihood	0.2% 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	BOIS D ARC MUD serves 3,011 people · EPA ID TX0740044
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	300 / 75
Starlink Satellite	280 / 30

May also be available: 360 Broadband, AT&T, Zulu Internet.

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