982 Bluffs Ave, Bowie, TX 76230 Property Records

Montague County property record for 982 Bluffs Ave, Bowie, TX 76230

Property Summary

Property Type	Single Family Home
Details	2,751 sqft · built 2018
Lot Size	15 acres (654,707 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,058 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R000022950`

Property Details

APN / Parcel Number

Primary APN	`R000022950`
Alternative APN	`32225.0006.0420.0000`

Interior

Building Area	2,751 sqft Total Area
Upper Floors Area	1,163 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	654,707 sqft (15 acres)
Garage Area	648 sqft
Porch	Porch
Porch Area	375 sqft
Patio Area	533 sqft

Location & Zoning

Account Number	32225.0006.0420.0000
Street Address	982 BLUFFS AVE
City	BOWIE
State	TX
Zip	76230-8571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACRES: 15.030 LOTS 419 420 AND 421; PHASE 6; SILVER LAKES RANCH
Legal Subdivision	SILVER LAKES RANCH PH SIX
Legal Lot Number	419-421
Jurisdiction	MONTAGUE TX
Township / Civil Division	BOWIE
Census Block Group	2
Census Block	2040
Census Tract	950401

Owner

982 Bluffs Ave is owned and occupied by two individuals who acquired it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	982 BLUFFS AVE, BOWIE, TX 76230-8571
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
Jun 6, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jul 1, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST STATE BANK
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024
Deed Sale	Jul 9, 2024
Prior Sale	Sep 19, 2022 · Amount on File
Deed Document Number	20243237
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	982 BLUFFS AVE, BOWIE, TX 76230-8571
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	OLD REPUBLIC TITLE, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002302323
Date	Jun 6, 2023
Instrument	2302323

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	982 BLUFFS AVE, BOWIE, TX 76230-8571
Transaction Type	Mortgage
Record Updated	Dec 23, 2022
Title Company	GUARDIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002105527
Date	Oct 19, 2021
Instrument	2105527

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	982 BLUFFS AVE, BOWIE, TX 76230-8571
Transaction Type	Mortgage
Record Updated	Dec 23, 2022
Title Company	GUARDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002002585
Date	Jul 1, 2020
Instrument	2002585

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE TX
Property Address	982 BLUFFS AVE, BOWIE, TX 76230-8571
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GUARDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1805273
Date	Dec 7, 2018
Instrument	1805273

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 982 Bluffs Ave was $9,058 with exemptions applied, down 16.4% from the year before.

Source: Montague County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Montague County
Unified School District	Bowie Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,058.00 (-16.4%) Disabled Person's exemption Veteran's exemption	$674,490 (-16.4%) Land $113,900 Building $560,590	$674,490 (-16.4%) Land $113,900 Building $560,590
2025	$10,835.00 Disabled Person's exemption Veteran's exemption	$806,810 Land $113,900 Building $692,910	$806,810 Land $113,900 Building $692,910
2023		$671,920 Land $42,000 Building $629,920	$671,920 Land $42,000 Building $629,920
2022	$1,774.00

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

Flood

FEMA maps place 982 Bluffs Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 File median of 28 policies
Nearby Flood Policies	28 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 982 Bluffs Ave is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 50% 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	CITY OF BOWIE serves 5,534 people · EPA ID TX1690001
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2022–2024) 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Comcell Fixed Wireless	100 / 20

May also be available: AT&T, Rise Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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