Palo Pinto County property record for 805 Carter Ln, Santo, TX 76472
| Property Type | Single Family Home |
|---|---|
| Details | 1,998 sqft · built 2023 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,869 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R000566905 |
| Primary APN | R000566905 |
|---|---|
| Alternative APN |
|
| Building Area | 1,998 sqft Living Area |
|---|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Account Number | R000566905 |
|---|---|
| Street Address | 805 CARTER LN |
| City | SANTO |
| State | TX |
| Zip | 76472-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIERRA VISTA RANCH LOT 64 G#S0350-00-00000-064-00-0 |
| Legal Subdivision | SIERRA VISTA RANCH |
| Legal Lot Number | 64 |
| Jurisdiction | PALO PINTO TX |
| Township / Civil Division | PALO PINTO-SANTO |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 300 |
Source: Palo Pinto County records, as of September 8, 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 | 805 CARTER LN, SANTO, TX 76472-3243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CITY BANK |
| Feb 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Dec 3, 2021 | Vendor's Lien, Transfer · Stand-Alone First Mortgage CITIZENS STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Property Address | 805 CARTER LN, SANTO, TX 76472-3243 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002540/596 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | 2540/596 |
| Instrument | 2024-00002071 |
| Name | CITY BANK |
|---|---|
| Type | Bank |
| Address | LUBBOCK, TX 79407 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Apr 1, 2031 |
| Min Rate At Change | 7.62% |
| Max Rate At Change | 9.62% |
| Index | 1-Year T-Bill |
| Max Rate | 12.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Property Address | 805 CARTER LN, SANTO, TX 76472-3243 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Title Company | NOT AVAILABLE, TEXAS TITLE |
| Name | Verified Name |
|---|---|
| Address | 805 CARTER LN, SANTO, TX 76472-3243 |
| Document Number | 002484/100 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 2484/100 |
| Instrument | 2023-00000593 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2038 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | PALO PINTO TX |
| Recording Date | Dec 3, 2021 |
| Property Address | 805 CARTER LN, SANTO, TX 76472-3243 |
| Document Number | 002415/366 |
| Book / Page | 2415 / 366 |
| Map Reference | VOL 12 PG 8 SL 1207 |
| Instrument Date | Dec 1, 2021 |
| Instrument | 2021-00008649 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | NOT AVAILABLE, INLAND TITLE OF TEXAS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3213 CHARING CROSS RD, MIDLOTHIAN, TX 76065-1281 |
| Document Number | 202100008650 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 2021-00008650 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Dec 1, 2028 |
Source: Palo Pinto County assessment roll, as of November 3, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Palo Pinto County |
| Unified School District | Santo Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,869.00 (+53.87%) Homeowner's exemption | $560,970 (+132.49%) Land $125,000 Building $435,970 | $560,970 (+132.49%) Land $125,000 Building $435,970 |
| 2024 | $5,114.00 | ||
| 2023 | $241,290 Land $162,500 Building $78,790 | $241,290 Land $162,500 Building $78,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 3, 2024 · 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 Record median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 6 (2016–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Nov 2024 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTO SUD serves 3,546 people · EPA ID TX1820010 |
|---|---|
| Water Source | Purchased surface water from CITY OF MINERAL WELLS |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| United Electric Cooperative Services Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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