114 Co Rd 1975, Gary, TX 75643 Property Records

Panola County property record for 114 Co Rd 1975, Gary, TX 75643

Property Summary

Property Type	Single Family Home
Details	1,448 sqft · built 1960
Lot Size	0.36 acres (15,705 sqft)
Owner	2 Individuals on Record
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2024 Sale + 2 more
APN	`01835-00510-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`01835-00510-00000-000000`
Alternative APN	`1990`

Interior

Building Area	1,448 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	15,705 sqft (0.36 acres)

Location & Zoning

Account Number	01835-00510-00000-000000
Street Address	114 COUNTY ROAD 1975
City	GARY
State	TX
Zip	75643-3824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 5 LT 73 LAKE MURVAUL LSD LOT-PCFWD
Legal Subdivision	MURVAUL RESERVOIR SHORELINE SUBDIVISION
Legal Lot Number	73
Jurisdiction	PANOLA TX
Township / Civil Division	LONG BRANCH-DOTSON
Census Block Group	1
Census Block	1015
Census Tract	950500

Owner

Source: Panola County assessment roll, as of February 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	PO BOX 631277, NACOGDOCHES, TX 75963-1277
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage CADENCE BANK NA
Feb 7, 2024	Deed, Transfer
Feb 7, 2024	Vendor's Lien, Transfer · Conventional Mortgage CADENCE BANK NA
Jul 27, 2017	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2024
Deed Sale	Feb 7, 2024
Prior Sale	Feb 7, 2024 · Amount on Record
Deed Document Number	2024256283
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	001928/251
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PANOLA TX
Property Address	114 COUNTY ROAD 1975, GARY, TX 75643-3824
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025004855
Date	Oct 1, 2025
Instrument	2025-004855

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PANOLA TX
Recording Date	Feb 7, 2024
Property Address	114 COUNTY ROAD 1975, GARY, TX 75643-3824
Document Number	0000256283
Map Reference	VOL 954 PG 638
Instrument Date	Feb 6, 2024
Instrument	256283
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 COUNTY ROAD 1975, GARY, TX 75643-3824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 631277, NACOGDOCHES, TX 75963-1277

February 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PANOLA TX
Recording Date	Feb 7, 2024
Property Address	114 COUNTY ROAD 1975, GARY, TX 75643-3824
Document Number	0000256278
Map Reference	VOL 954 PG 638
Instrument Date	Feb 6, 2024
Instrument	256278
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	CARTHAGE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	487 FARM HOUSE LN, BRENHAM, TX 77833-1468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 631277, NACOGDOCHES, TX 75963-1277

Mortgage

Document Number	0000256279
Date	Feb 7, 2024
Instrument	256279

Lender

Name	CADENCE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Mar 5, 2029
Change Frequency	6 Months
Min Rate At Change	6.12%
Max Rate At Change	10.1%
Margin	3
Max Rate	13.1%

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PANOLA TX
Recording Date	Jul 27, 2017
Property Address	114 COUNTY ROAD 1975, GARY, TX 75643-3824
Document Number	001928/251
Book / Page	1928 / 251
Map Reference	VOL 954 PG 638
Instrument Date	Jul 17, 2017
Instrument	203165
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16422 FRITSCHE CEMETERY RD, CYPRESS, TX 77429-7106

Mortgage

Document Number	0000203166
Date	Jul 27, 2017
Instrument	203166

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Panola County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Panola County
Unified School District	Gary Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,408.00 (+107.43%) Homeowner's exemption	$302,440 (+122.07%) Land $48,630 Building $253,810	$302,440 (+122.07%) Land $48,630 Building $253,810
2023		$136,190 Land $20,630 Building $115,560	$136,190 Land $20,630 Building $115,560
2022	$1,643.00

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

FEMA Flood Zone	Not on file

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 96% of the US · lower than 97.9% 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	SOUTH MURVAUL WSC serves 981 people · EPA ID TX1830027
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform assessment Oct 2024
Monitoring and Reporting	6 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 1975

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures