10995 Ray Dr, Denham Springs, LA 70706 Property Records

Livingston Parish property record for 10995 Ray Dr, Denham Springs, LA 70706

Property Summary

Property Type	Single Family Home
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (May 2022)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`0012302`

Property Details

APN / Parcel Number

Primary APN	`0012302`

Exterior

Lot Area	22,651 sqft (0.52 acres)

Location & Zoning

Street Address	10995 RAY DR
City	DENHAM SPRINGS
State	LA
Zip	70706-0568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-B OF CHERAY PLACE SEC 21-5-3
Legal Range	03E
Legal Township	05S
Legal Section	21
Legal Subdivision	CHERAY PLACE-RURAL PROPERTY
Legal Lot Number	1-B
Jurisdiction	LIVINGSTON LA
Township / Civil Division	2
Census Block Group	2
Census Block	2002
Census Tract	40305

Owner

10995 Ray Dr is owned and occupied by an individual who bought it in May 2022.

Source: Livingston Parish records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	10995 RAY DR, DENHAM SPRINGS, LA 70706-0568
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
May 6, 2022	Deed, Transfer · Stand-Alone First Mortgage GMFS LLC
Jan 8, 2021	Deed of Trust, Mortgage · FHA Mortgage GATEWAY MORTGAGE GROUP
Oct 10, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage GMFS
Feb 28, 2018	Grant Deed, Mortgage · Line of Credit LANDMARK BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on File
Deed Sale	May 6, 2022 · Amount on File
Prior Sale	Oct 10, 2018 · Amount on File
Deed Document Number	20221036665
Deed Book / Page	1461 / 406
Record Updated	Jun 8, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LIVINGSTON LA
Recording Date	May 6, 2022
Property Address	10995 RAY DR, DENHAM SPRINGS, LA 70706-0568
Document Number	0001036665
Book / Page	1461 / 406
Instrument Date	May 4, 2022
Instrument	1036665
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036666
Date	May 6, 2022
Instrument	1036666

Lender

Name	GMFS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON LA
Property Address	10995 RAY DR, DENHAM SPRINGS, LA 70706-0568
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000994249
Date	Jan 8, 2021
Book Page	3000/740
Instrument	994249

Lender

Name	GATEWAY MORTGAGE GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LIVINGSTON LA
Recording Date	Oct 10, 2018
Property Address	10995 RAY DR, DENHAM SPRINGS, LA 70706-0568
Document Number	0000934679
Book / Page	001335 / 000066
Instrument Date	Oct 9, 2018
Instrument	934679
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 30, 2018
Title Company	MILESTONE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10995 RAY DR DENHAM SPRINGS LA 70706, DENHAM SPRINGS, LA 70706

Mortgage

Document Number	934680
Date	Oct 10, 2018
Book Page	002703/000685
Instrument	934680

Lender

Name	GMFS
Address	BATON ROUGE, LA 70806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2048

February 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	LIVINGSTON LA
Recording Date	Feb 28, 2018
Property Address	10995 RAY DR, DENHAM SPRINGS, LA 70706-0568
Book / Page	002632 / 000947
Instrument Date	Feb 26, 2018
Instrument	918913
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	CYPRESS TITLE COMPANY, CYPRESS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	27661 ALPHONSE LN GREENWELL SPRINGS LA 707396332, GREENWELL SPRINGS, LA 70739-6332

Mortgage

Document Number	0000918913
Date	Feb 28, 2018
Book Page	002632/000947
Instrument	918913

Lender

Name	LANDMARK BK
Type	Bank
Address	CLINTON, LA 70722

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10995 Ray Dr was $2,026 with a homeowner's exemption.

Source: Livingston Parish assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Louisiana
County	Livingston Parish
Unified School District	Livingston Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,026.00	$16,828 Land $1,930 Building $14,898	$168,280 Land $19,300 Building $148,980
2023	$1,623.00 (-0.61%) Homeowner's exemption	$12,420 (-) Land $1,930 Building $10,490	$124,200 (-) Land $19,300 Building $104,900
2022	$1,633.00	$12,420 Land $1,930 Building $10,490	$124,200 Land $19,300 Building $104,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10995 Ray Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 19, 2025 · 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 File median of 114 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	114 in force
Nearby Flood Claims	8 (2016–2021)
Most Recent Claim	Aug 2021 · Hurricane Ida
Claims by Event	Severe Storms And Flooding, Aug 2016 · 7 claims

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 10995 Ray Dr 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 69% of Louisiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Cox Communications, Verizon.

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