805 S 4th St, Bonham, TX 75418 Property Records

Fannin County property record for 805 S 4th St, Bonham, TX 75418

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,701 sqft · built 2022
Lot Size	0.184 acres (8,002 sqft)
Owner	Individual Name on File
Tax Bill	$4,069 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9620-001-0040-05`

Property Details

APN / Parcel Number

Primary APN	`9620-001-0040-05`
Alternative APN	`92961`

Interior

Full Baths	2 Baths
Building Area	1,701 sqft Living Area
1st Floor Area	1,301 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9620-001-0040-05
Street Address	805 S 4TH ST
City	BONHAM
State	TX
Zip	75418-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTTS ADDN, BLOCK 1, LOT 4, ACRES .1837
Legal Subdivision	OTTS ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	FANNIN TX
Township / Civil Division	BONHAM
Census Block Group	1
Census Block	1094
Census Tract	950600

Owner

805 S 4th St is owned and occupied by an individual who acquired it in November 2023.

Source: Fannin County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	805 S 4TH ST, BONHAM, TX 75418-4606
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 20, 2023	Vendor's Lien, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC
May 10, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCIAL BANK OF TEXAS NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023
Deed Sale	Nov 20, 2023
Prior Sale	May 10, 2023 · Amount on File
Deed Document Number	20237357
Prior Transfer Date	May 9, 2023
Prior Transfer Doc	2023002847
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	805 S 4TH ST, BONHAM, TX 75418-4606
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 S 4TH ST, BONHAM, TX 75418-4606

Mortgage

Document Number	2024008164
Date	Dec 26, 2024
Instrument	2024008164

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

November 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Nov 20, 2023
Property Address	805 S 4TH ST, BONHAM, TX 75418-4606
Document Number	2023007357
Instrument Date	Nov 17, 2023
Instrument	2023007357
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6130 ALMA RD APT 5432, 5432, MCKINNEY, TX 75070-1217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 S 4TH ST, BONHAM, TX 75418-4606

Mortgage

Document Number	2023007358
Date	Nov 20, 2023
Instrument	2023007358

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS INC
Type	Mortgage Company
Address	DALLAS, TX 75248
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FANNIN TX
Recording Date	May 10, 2023
Property Address	805 S 4TH ST, BONHAM, TX 75418-4606
Document Number	2023002847
Map Reference	VOL 254 PG 275
Instrument Date	May 5, 2023
Instrument	2023002847
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	MAIN STREET TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10963 E US HIGHWAY 82, WINDOM, TX 75492-3425

Mortgage

Document Number	2023002853
Date	May 10, 2023
Instrument	2023002853

Lender

Name	COMMERCIAL BANK OF TEXAS NA
Type	Bank
Address	NACOGDOCHES, TX 75961

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 805 S 4th St was $4,069 with a homeowner's exemption, up 36% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,069.00 (+35.95%) Homeowner's exemption	$209,810 Land $29,120 Building $180,690	$209,810 Land $29,120 Building $180,690
2024	$2,993.00
2023		$177,220 Land $24,720 Building $152,500	$177,220 Land $24,720 Building $152,500
2018	$59.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 805 S 4th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

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	1 in force
Nearby Flood Claims	2 (1981–1982)
Most Recent Claim	May 1982 · rainfall accumulation

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

Wildfire risk around 805 S 4th St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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	CITY OF BONHAM serves 10,746 people · EPA ID TX0740001
Water Source	Purchased surface water from NORTH TEXAS MWD - BONHAM WTP
Last State Inspection	Mar 2024
Lead	Under 1 ppb (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	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. 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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