Harrison County property record for 989 Cypress Dr, Karnack, TX 75661
| Property Type | Single Family Home |
|---|---|
| Details | 1,992 sqft · built 1958 |
| Lot Size | 0.823 acres (35,850 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,208 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | R000016575 |
| Primary APN | R000016575 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,992 sqft Living Area |
| Gross Area | 848 sqft |
| Utility Area | 90 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Lot Area | 35,850 sqft (0.823 acres) |
| Garage Type | Mixed |
| Garage Area | 930 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
|---|---|
| Patio Area | 272 sqft |
| Shed | 1 Shed |
| Shed Area | 408 sqft |
| Storage Building | 81 sqft |
| Account Number | R000016575 |
|---|---|
| Street Address | 989 CYPRESS DR |
| City | KARNACK |
| State | TX |
| Zip | 75661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACRES: 0.823 LOT: 1 SUBD: EMMA LUTHER ABST: 878 O HOPE HSE |
| Legal Subdivision | EMMA LUTHER |
| Legal Lot Number | 1 |
| Jurisdiction | HARRISON TX |
| Township / Civil Division | WASKOM |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 20105 |
Source: Harrison County assessment roll, as of November 11, 2025
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 File |
|---|---|
| Mailing Address | PO BOX 486, KARNACK, TX 75661-0486 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2021 |
| Deed Sale | Dec 21, 2021 |
| Deed Document Number | 202115882 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON TX |
| Property Address | 989 CYPRESS DR, KARNACK, TX 75661 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | SUMMIT TITLE AGENCY INC, SUMMIT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 968 CYPRESS DR, KARNACK, TX 75661-1742 |
| Document Number | 0000001745 |
|---|---|
| Date | Feb 18, 2026 |
| Instrument | 2026-000001745 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Mar 1, 2066 |
| Prepayment Penalty | 60 Months |
Source: Harrison County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Harrison County |
| Municipality | Uncertain City |
| Unified School District | Karnack Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,208.00 (+70.91%) | $370,690 (+45.94%) Land $103,470 Building $267,220 | $370,690 (+45.94%) Land $103,470 Building $267,220 |
| 2024 | $1,877.00 (-22.53%) | ||
| 2023 | $2,423.00 | $254,010 Land $121,130 Building $132,880 | $254,010 Land $121,130 Building $132,880 |
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 September 2, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 58 policies |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 26 (2016–2024) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| 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 | Moderate above 53% of the US · lower than 70% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% 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 | CADDO LAKE WSC serves 1,230 people · EPA ID TX1020019 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 50 / 3 |
4G LTE (outdoors only), no 5G reported
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