115 S Summit St, Red Oak, TX 75154 Property Records

Ellis County property record for 115 S Summit St, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,517 sqft · built 1994
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,700 (May 2021)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R169372`

Property Details

APN / Parcel Number

Primary APN	`R169372`
Alternative APNs	`72294000100300111` `169372`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,517 sqft Living Area
Gross Area	2,667 sqft
1st Floor Area	1,901 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,587 sqft (0.266 acres)
Lot Depth	145 ft Depth
Garage Type	Detached
Garage Area	225 sqft
Porch	Covered Porch
Porch Area	150 sqft
Storage Building	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	115 S SUMMIT ST
City	RED OAK
State	TX
Zip	75154-6345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 1 CHERRY CREEK .266 AC
Legal Subdivision	CHERRY CREEK
Legal Block	1
Legal Lot Number	3
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	1
Census Block	1009
Census Tract	60206

Owner

Source: Ellis County records, as of August 24, 2026

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	115 S SUMMIT ST, RED OAK, TX 75154-6345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Vendor's Lien, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Feb 17, 2017	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	202120741
Prior Transfer Date	Feb 3, 2009
Prior Transfer Doc	0024320884
Record Updated	Oct 29, 2026

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ELLIS TX
Recording Date	May 11, 2021
Property Address	115 S SUMMIT ST, RED OAK, TX 75154-6345
Document Number	2120741
Map Reference	CAB A SL 604
Instrument Date	May 7, 2021
Instrument	2120741
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	TEXAS PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 S SUMMIT ST, RED OAK, TX 75154-6345

Mortgage

Document Number	2120742
Date	May 11, 2021
Instrument	2120742

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	115 S SUMMIT ST, RED OAK, TX 75154-6345
Document Number	0000005256
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 S SUMMIT ST RED OAK TX 751546345, RED OAK, TX 75154-6345

Mortgage

Document Number	0000005256
Date	Feb 27, 2017
Instrument	5256

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Municipality	Red Oak City
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$313,420 (-6.33%) Land $71,500 Building $241,920	$313,420 (-6.33%) Land $71,500 Building $241,920
2025	$6,800.00 (-5.59%)	$334,589 (-8.34%) Land $71,500 Building $263,089	$334,589 (-8.34%) Land $71,500 Building $263,089
2024	$7,203.00 (-4.9%)
2023	$7,574.00 (+62.81%)	$365,018 Land $71,500 Building $293,518	$365,018 Land $71,500 Building $293,518
2018	$4,652.00

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 9, 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 Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2022 · other causes

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% 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 RED OAK serves 18,577 people · EPA ID TX0700031
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 137 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 · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

May also be available: Element8, T-Mobile, Verizon.

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