97 Elm St, Lone Oak, TX 75453 Property Records

Hunt County property record for 97 Elm St, Lone Oak, TX 75453

Property Summary

Property Type	Single Family Home
Details	2,228 sqft · built 2024
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,704 (2024)
Deeds & Mortgages	Apr 2025 Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4395-0990-0030-51`

Property Details

APN / Parcel Number

Primary APN	`4395-0990-0030-51`
Alternative APN	`R73870`

Interior

Stories	2 Stories
Building Area	2,228 sqft Living Area
Gross Area	1,680 sqft
1st Floor Area	1,500 sqft
2nd Floor Area	728 sqft

Exterior

Year Built	Built 2024
Architectural Style	Mobile/Manufactured
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Utility Building	1,080 sqft

Location & Zoning

Account Number	R73870
Street Address	97 ELM ST
City	LONE OAK
State	TX
Zip	75453-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S4395 ORIG TOWN OF LONE OAK BLK 99 LOT 3 ACRES .53
Legal Subdivision	ORIG TOWN OF LONE OAK
Legal Block	99
Legal Lot Number	3
Jurisdiction	HUNT TX
Township / Civil Division	LONE OAK
Census Block Group	2
Census Block	2094
Census Tract	960700

Owner

97 Elm St is owned and occupied by two individuals who acquired it in August 2019.

Source: Hunt County records, as of October 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	97 ELM ST, LONE OAK, TX 75453-7200
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
Apr 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage APEX FUNDING LLC
Mar 22, 2024	Vendor's Lien, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 23, 2019	Vendor's Lien, Transfer · Stand-Alone Second Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2019
Deed Sale	Aug 22, 2019
Deed Document Number	0020202410
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	97 ELM ST, LONE OAK, TX 75453-7200
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	UNKNOWN, MONEY LAW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 ELM ST, LONE OAK, TX 75453-7200

Mortgage

Document Number	0000007513
Date	Apr 30, 2025
Instrument	2025-07513

Lender

Name	APEX FUNDING LLC
Type	Non-Lending Institution
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

March 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Mar 22, 2024
Property Address	401 MCBRIDE ST, LONE OAK, TX 75453-9641
Document Number	0000005059
Map Reference	VOL 400 PG 140
Instrument Date	Mar 21, 2024
Instrument	2024-05059
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	NOT AVAILABLE, MONEY LAW & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MCBRIDE ST, LONE OAK, TX 75453-9641

Mortgage

Document Number	0000005060
Date	Mar 22, 2024
Instrument	2024-05060

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Aug 23, 2019
Property Address	401 MCBRIDE ST, LONE OAK, TX 75453-9641
Document Number	0000012223
Map Reference	VOL 400 PG 140
Instrument Date	Aug 22, 2019
Instrument	2019-12223
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 4TH AVE NE, 200, ANOKA, MN 55303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 MCBRIDE ST, LONE OAK, TX 75453-9641

Mortgage

Document Number	0000012225
Date	Aug 23, 2019
Instrument	2019-12225

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of July 25, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Hunt County
Municipality	Lone Oak City
Unified School District	Lone Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$336,687 Land $44,820 Building $291,867	$336,687 Land $44,820 Building $291,867
2024	$1,704.00
2023		$188,660 Land $51,320 Building $137,340	$188,660 Land $51,320 Building $137,340
2022	$2,238.00

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

Flood

FEMA maps place 97 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 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
Nearby Flood Policies	1 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

Wildfire risk around 97 Elm St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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 LONE OAK serves 867 people · EPA ID TX1160006
Water Source	Purchased surface water from CASH SUD
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumby Telephone Cooperative Fiber	1,000 / 200
Peoples Communications Fixed Wireless · Fiber in parts of the area	500 / 60
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Spectrum.

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