809 Howard St, Jacksonville, TX 75766 Property Records

Cherokee County property record for 809 Howard St, Jacksonville, TX 75766

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,068 sqft · built 1988
Lot Size	0.177 acres (7,697 sqft)
Owner	Individual Name on File
Tax Bill	$3,317 (2026)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146000-02340-0008000`

Property Details

APN / Parcel Number

Primary APN	`146000-02340-0008000`
Alternative APN	`223525110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,068 sqft Living Area
Gross Area	2,810 sqft
1st Floor Area	2,068 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,697 sqft (0.177 acres)
Porch	Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	146000-02340-0008000
Street Address	809 HOWARD ST
City	JACKSONVILLE
State	TX
Zip	75766-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 234 & W 5' OF 7 JACKSONVILLE*TAX DEF EFF 06/26/18- 5/12/2026*
Legal Subdivision	JACKSONVILLE
Legal Block	234
Legal Lot Number	8
Jurisdiction	CHEROKEE TX
Township / Civil Division	JACKSONVILLE
Census Block Group	4
Census Block	4031
Census Tract	950600

Owner

809 Howard St is owned and occupied by an individual.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	809 HOWARD ST, JACKSONVILLE, TX 75766-3119
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
Jul 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Jul 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE TX
Recording Date	Jul 20, 2026
Property Address	809 HOWARD ST, JACKSONVILLE, TX 75766-3119
Document Number	0000751848
Book / Page	2952 / 566
Instrument Date	Jul 10, 2026
Instrument	2026751848
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	809 HOWARD ST, JACKSONVILLE, TX 75766-3119

Mortgage

Document Number	0000751848,
Date	Jul 20, 2026
Book Page	2952/566
Instrument	2026751848

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months

Interest

Rate	6.52%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE TX
Recording Date	Jul 20, 2026
Property Address	809 HOWARD ST, JACKSONVILLE, TX 75766-3119
Document Number	0000751850
Book / Page	2952 / 586
Instrument Date	Jul 10, 2026
Instrument	2026751850
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	809 HOWARD ST, JACKSONVILLE, TX 75766-3119

Mortgage

Document Number	0000751850,
Date	Jul 20, 2026
Book Page	2952/586
Instrument	2026751850

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months

Interest

Rate	6.52%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 809 Howard St was $3,317 with exemptions applied, up 1,147% from the year before.

Source: Cherokee County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,317.00 (+1,146.99%) Homeowner's exemption Disabled Person's exemption	$151,490 (-35.92%) Land $21,180 Building $130,310	$151,490 (-35.92%) Land $21,180 Building $130,310
2025	$266.00 Homeowner's exemption Disabled Person's exemption	$236,400 Land $21,180 Building $215,220	$236,400 Land $21,180 Building $215,220
2023		$169,170 Land $3,620 Building $165,550	$169,170 Land $3,620 Building $165,550
2022	$524.00

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

Flood

FEMA maps place 809 Howard St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective June 20, 2021 · 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 (1999–2007)
Most Recent Claim	Jul 2007 · Severe Storms, Tornadoes, 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

Wildfire risk around 809 Howard St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 JACKSONVILLE serves 14,420 people · EPA ID TX0370002
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Etex Telephone, Frontier, T-Mobile.

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