103 E Church St, Leonard, TX 75452 Property Records

Fannin County property record for 103 E Church St, Leonard, TX 75452

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,648 sqft · built 1937
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,548 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0549-020-0000-05`

Property Details

APN / Parcel Number

Primary APN	`0549-020-0000-05`
Alternative APN	`77031`

Interior

Full Baths	2 Baths
Building Area	3,648 sqft Living Area
1st Floor Area	1,788 sqft
2nd Floor Area	1,260 sqft
Flooring	Combination, Other
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	63,598 sqft (1.46 acres)
Garage Type	Detached
Garage Area	360 sqft
Porch	Porch
Porch Area	280 sqft
Patio Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	0549-020-0000-05
Old Parcel Number	77031
Street Address	103 E CHURCH ST
City	LEONARD
State	TX
Zip	75452-7834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0549 J N HUME, ACRES 1.46
Legal Subdivision	J N HUME
Jurisdiction	FANNIN TX
Township / Civil Division	LEONARD
Census Block Group	3
Census Block	3048
Census Tract	950701

Owner

103 E Church St is owned and occupied by two individuals who acquired it in June 2021.

Source: Fannin County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	103 E CHURCH ST, LEONARD, TX 75452-7834
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 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 17, 2021	Vendor's Lien, Transfer · Stand-Alone First Mortgage RONALD GIDDIENS ETAL
Jun 17, 2021	Vendor's Lien, Transfer · Stand-Alone First Mortgage RONALD GIDDIENS ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021
Deed Sale	Jun 14, 2021
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	103 E CHURCH ST, LEONARD, TX 75452-7834
Transaction Type	Mortgage
Record Updated	Sep 29, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022005226
Date	Jul 1, 2022
Instrument	2022005226

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Jun 17, 2021
Property Address	103 E CHURCH ST, LEONARD, TX 75452-7834
Document Number	2021004454
Map Reference	VOL 32 PG 65
Instrument Date	Jun 14, 2021
Instrument	2021004454
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5808 PECAN VALLEY LN, SAN ANGELO, TX 76904-9531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E CHURCH ST, BAILEY, TX 75413

Mortgage

Document Number	2021004455
Date	Jun 17, 2021
Instrument	2021004455

Lender

Name	RONALD GIDDIENS ETAL
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jun 30, 2026

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Jun 17, 2021
Property Address	103 E CHURCH ST, LEONARD, TX 75452-7834
Document Number	2021004456
Map Reference	VOL 32 PG 65
Instrument Date	Jun 14, 2021
Instrument	2021004456
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	COREY TITLE COMPANY, COLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5808 PECAN ALLEY, SAN ANGELO, TX 76904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E CHURCH ST, BAILEY, TX 75413

Mortgage

Document Number	2021004457
Date	Jun 17, 2021
Instrument	2021004457

Lender

Name	RONALD GIDDIENS ETAL
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jun 30, 2026

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Bailey City
County	Fannin County
Unified School District	Bonham Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$222,320 Land $84,590 Building $137,730	$222,320 Land $84,590 Building $137,730
2024	$2,548.00
2023		$258,870 Land $84,590 Building $174,280	$258,870 Land $84,590 Building $174,280
2018	$1,499.00

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

Flood

FEMA maps place 103 E Church St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective June 16, 2026 · 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	2 in force
Nearby Flood Claims	3 (2017–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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 103 E Church St is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 BAILEY serves 220 people · EPA ID TX0740038
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	9 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20
Zulu Internet Fixed Wireless	25 / 3

May also be available: 360 Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Church St

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