103 Red Oak St, Henderson, TX 75654 Property Records

Rusk County property record for 103 Red Oak St, Henderson, TX 75654

Property Summary

Property Type	Single Family Home
Details	1,469 sqft · built 1960
Lot Size	0.189 acres (8,242 sqft)
Owner	Individual Name on File
Last Sale	$224,025 (Sep 2026)
Tax Bill	$2,790 (2026)
Deeds & Mortgages	Sep 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02480-00180-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`02480-00180-00000-000000`
Alternative APN	`8202`

Interior

Stories	1 Story
Building Area	1,469 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	8,242 sqft (0.189 acres)
Lot Dimensions	123 ft deep x 67 ft wide
Garage Area	380 sqft

Location & Zoning

Account Number	02480-00180-00000-000000
Street Address	103 RED OAK ST
City	HENDERSON
State	TX
Zip	75654-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 BLK 3/94 MONTG SUB 1
Legal Subdivision	MONTGOMERY ADDITION NO 1
Legal Block	3/94
Legal Lot Number	2
Jurisdiction	RUSK TX
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2027
Census Tract	950900

Owner

103 Red Oak St is owned and occupied by an individual who bought it in September 2026.

Source: Rusk County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	5330 WELLINGTON LN, LUMBERTON, TX 77657-1110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Sep 21, 2026	Deed, Transfer · FHA Mortgage MORTGAGE CENTER LLC
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on File
Deed Sale	Sep 21, 2026 · Amount on File
Prior Sale	Oct 23, 2008
Deed Document Number	2026275923
Prior Transfer Date	Oct 16, 2008
Prior Transfer Doc	2890/576
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RUSK TX
Recording Date	Sep 21, 2026
Property Address	103 RED OAK ST, HENDERSON, TX 75654-4038
Document Number	0000275923
Instrument Date	Sep 18, 2026
Instrument	2026275923
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5330 WELLINGTON LN, LUMBERTON, TX 77657-1110
Investor	Possibly a Property Investor

Mortgage

Document Number	0000275924,
Date	Sep 21, 2026
Instrument	2026275924

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK TX
Property Address	103 RED OAK ST, HENDERSON, TX 75654-4038
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	US TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3773/400
Date	May 11, 2021
Book Page	3773/400
Instrument	219767

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Address	HENDERSON, TX 75653

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK TX
Property Address	103 RED OAK ST, HENDERSON, TX 75654-4038
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	US TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3773/417
Date	May 11, 2021
Book Page	3773/417
Instrument	219768

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Address	HENDERSON, TX 75653

Agreement

Type	Conventional Mortgage

Tax Assessment & Valuation

The 2026 property tax bill for 103 Red Oak St was $2,790 with a homeowner's exemption, up 142.8% from the year before.

Source: Rusk County assessment roll, as of February 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,790.00 (+142.82%) Homeowner's exemption	$146,780 (-9.55%)	$162,270 (-) Land $25,000 Building $137,270
2025	$1,149.00 Homeowner's exemption	$162,270 Land $25,000 Building $137,270	$162,270 Land $25,000 Building $137,270
2023		$146,840 Land $25,000 Building $121,840	$146,840 Land $25,000 Building $121,840
2022	$1,336.00

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

Flood

FEMA maps place 103 Red Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 103 Red Oak St is low, with a 0.01% annual chance of 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 HENDERSON serves 14,666 people · EPA ID TX2010001
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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