117 Co Rd 1976, Gary, TX 75643 Property Records

Panola County property record for 117 Co Rd 1976, Gary, TX 75643

Property Summary

Property Type	Single Family Home
Details	1,680 sqft · built 1973
Lot Size	0.194 acres (8,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jul 2020)
Tax Bill	$4,373 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
APN	`01835-00360-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`01835-00360-00000-000000`
Alternative APN	`11906`

Interior

Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	8,472 sqft (0.194 acres)

Location & Zoning

Account Number	01835-00360-00000-000000
Street Address	117 COUNTY ROAD 1976
City	GARY
State	TX
Zip	75643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04
Legal Description	SEC 5 LT 48 LAKE MURVAUL LSD LOT-PCFWD
Legal Subdivision	MURVAL RESERVOIR SHORLINE SUBDIVISION
Legal Lot Number	48
Jurisdiction	PANOLA TX
Township / Civil Division	LONG BRANCH-DOTSON
Census Block Group	1
Census Block	1015
Census Tract	950500

Owner

Source: Panola County records, as of September 23, 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	2371 COUNTY ROAD 4122 N, OVERTON, TX 75684-7350
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	2020226187
Deed Book / Page	2089 / 292
Prior Transfer Date	Jan 17, 2017
Prior Transfer Doc	0000200533
Record Updated	Oct 29, 2026

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PANOLA TX
Recording Date	Jul 17, 2020
Property Address	117 COUNTY ROAD 1976, GARY, TX 75643
Document Number	2089/292
Book / Page	2089 / 292
Map Reference	VOL 4 PG 206
Instrument Date	Jul 15, 2020
Instrument	226187
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 538, GARRISON, TX 75946-0538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2371 COUNTY ROAD 4122 N, OVERTON, TX 75684-7350

Mortgage

Document Number	226188
Date	Jul 17, 2020
Instrument	226188

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2035

Interest

Rate Type	Adjustable Rate

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
2026	$4,373.00 (-1.82%)	$212,580 (-8.14%) Land $48,630 Building $163,950	$212,580 (-8.14%) Land $48,630 Building $163,950
2025	$4,454.00 (+50.02%)	$231,410 (+53.89%) Land $48,630 Building $182,780	$231,410 (+53.89%) Land $48,630 Building $182,780
2023		$150,370 Land $29,470 Building $120,900	$150,370 Land $29,470 Building $120,900
2022	$2,969.00

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 80% of the US · lower than 94% 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	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 only, no 5G reported

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