1012 W Gandy St, Denison, TX 75020 Property Records

Grayson County property record for 1012 W Gandy St, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,524 sqft · built 1920
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,000 (Dec 2020)
Tax Bill	$3,934 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D017 3116196`

Property Details

APN / Parcel Number

Primary APN	`D017 3116196`
Alternative APN	`143431`

Interior

Stories	1 Story
Building Area	1,524 sqft Living Area
1st Floor Area	1,524 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1992
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	807 sqft
Utility Building	324 sqft

Location & Zoning

Street Address	1012 W GANDY ST
City	DENISON
State	TX
Zip	75020-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLERS 1ST ADDN, BLOCK 15, LOT 3, ACRES .1722
Legal Subdivision	MILLERS 1ST ADDN
Legal Block	15
Legal Lot Number	3
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1011
Census Tract	502

Owner

Source: Grayson County records, as of August 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 Record
Mailing Address	1012 W GANDY ST, DENISON, TX 75020-3312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 18, 2019	Deed of Trust, Mortgage AMERISTATE BK
Apr 24, 2018	Deed of Trust, Mortgage AMERISTATE BK
Jul 24, 2017	Deed of Trust, Mortgage TEXAS STAR BK
Apr 25, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	202036120
Prior Transfer Date	Dec 23, 2020
Prior Transfer Doc	0000036120
Record Updated	Sep 20, 2026

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Dec 28, 2020
Property Address	1012 W GANDY ST, DENISON, TX 75020-3312
Document Number	0000036120
Map Reference	VOL Y PG 330
Instrument Date	Dec 23, 2020
Instrument	2020-00036120
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	GRAYSON COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W GANDY ST, DENISON, TX 75020-3312

Mortgage

Document Number	0000036121
Date	Dec 28, 2020
Instrument	2020-00036121

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1012 W GANDY ST, DENISON, TX 75020-3312
Document Number	0000009086
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	GRAYSON COUNTY TITLE COMPANY, GRAYSON COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 W GANDY ST DENISON TX 750203312, DENISON, TX 75020-3312

Mortgage

Document Number	0000009086
Date	Apr 23, 2019
Instrument	9086

Lender

Name	AMERISTATE BK
Type	Bank
Address	ATOKA, OK 74525

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1012 W GANDY ST, DENISON, TX 75020-3312
Document Number	0000008975
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018
Title Company	GRAYSON COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 W WOODARD ST DENISON TX 750203445, DENISON, TX 75020-3445

Mortgage

Document Number	0000008975
Date	Apr 24, 2018
Instrument	8975

Lender

Name	AMERISTATE BK
Type	Bank
Address	ATOKA, OK 74525

Agreement

Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1012 W GANDY ST, DENISON, TX 75020-3312
Document Number	0000016352
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 3, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5445 W FM 120 DENISON TX 750200537, DENISON, TX 75020-0537

Mortgage

Document Number	0000016352
Date	Jul 25, 2017
Instrument	16352

Lender

Name	TEXAS STAR BK
Type	Bank
Address	ALSTYNE, TX 75495

Agreement

Amount	Amount Recorded

April 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	GRAYSON TX
Recording Date	Apr 25, 2017
Property Address	1012 W GANDY ST, DENISON, TX 75020-3312
Document Number	0000008663
Book / Page	005987 / 000919
Instrument Date	Apr 21, 2017
Instrument	8663
Transaction Type	Transfer
Record Updated	Jul 20, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 ROYAL RIDGE DR DENISON TX 750204128, DENISON, TX 75020-4128

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$166,313 (+8.08%) Land $43,125 Building $123,188	$166,313 (+8.08%) Land $43,125 Building $123,188
2024	$3,934.00 (+19.9%)
2023		$153,873 Land $40,875 Building $112,998	$153,873 Land $40,875 Building $112,998
2022	$3,281.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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	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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, TekWav.

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