Ellis County property record for 126 Finlee Ln, Red Oak, TX 75154
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,927 sqft · built 2020 |
| Lot Size | 0.133 acres (5,789 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $304,200 (Aug 2020) |
| Tax Bill | $7,252 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R277694 |
| Primary APN | R277694 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,927 sqft Living Area |
| Gross Area | 3,537 sqft |
| 1st Floor Area | 1,863 sqft |
| 2nd Floor Area | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,789 sqft (0.133 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 126 FINLEE LN |
|---|---|
| City | RED OAK |
| State | TX |
| Zip | 75154-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 46 BLK O HARMONY PH 4 .1329 AC |
| Legal Subdivision | HARMONY PH 4 |
| Legal Block | O |
| Legal Lot Number | 46 |
| Jurisdiction | ELLIS TX |
| Township / Civil Division | WAXAHACHIE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 60216 |
126 Finlee Ln is owned and occupied by two individuals who bought it in August 2020.
Source: Ellis County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 126 FINLEE LN, RED OAK, TX 75154-1200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 20, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO |
| Mar 19, 2020 | Deed of Trust, Mortgage · Line of Credit INDEPENDENT BK |
| Jan 3, 2020 | Loan Modification, Mortgage · Line of Credit NORTH STAR BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2020 · Amount on File |
| Deed Sale | Aug 20, 2020 · Amount on File |
| Deed Document Number | 202029251 |
| Prior Transfer Date | Aug 14, 2020 |
| Prior Transfer Doc | 0000029251 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Aug 20, 2020 |
| Property Address | 126 FINLEE LN, RED OAK, TX 75154-1200 |
| Document Number | 0000029251 |
| Instrument Date | Aug 4, 2020 |
| Instrument | 29251 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 126 FINLEE LN RED OAK TX 751541200, RED OAK, TX 75154-1200 |
| Document Number | 29252 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 29252 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | 5455 N UNION BLVD, COLORADO SPRINGS, CO 80918-2077 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 126 FINLEE LN, RED OAK, TX 75154-1200 |
| Document Number | 0000010001 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5763 S STATE HIGHWAY 205 #100 ROCKWALL TX 750322601, 100, ROCKWALL, TX 75032-2601 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010001 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 10001 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Address | 400 N CARROLL BLVD, DENTON, TX 76201-9011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 126 FINLEE LN, RED OAK, TX 75154-1200 |
| Document Number | 0000001191 |
| Instrument Date | Jan 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5763 S STATE HIGHWAY 205 #100 ROCKWALL TX 750322601, 100, ROCKWALL, TX 75032-2601 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001191 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 1191 |
| Name | NORTH STAR BK |
|---|---|
| Type | Bank |
| Address | 400 N CARROLL BLVD, DENTON, TX 76201-9011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 126 Finlee Ln was $7,252 with a homeowner's exemption, down 2.5% from the year before.
Source: Ellis County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $419,751 (-2.55%) Land $55,000 Building $364,751 | $419,751 (-2.55%) Land $55,000 Building $364,751 | |
| 2025 | $7,252.00 (-2.46%) Homeowner's exemption | $430,748 Land $55,000 Building $375,748 | $430,748 Land $55,000 Building $375,748 |
| 2024 | $7,435.00 (+9.34%) | ||
| 2023 | $6,800.00 Homeowner's exemption | $410,000 Land $55,000 Building $355,000 | $410,000 Land $55,000 Building $355,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 Finlee Ln in Zone X, an area of minimal flood risk.
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 Policies | 2 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 risk around 126 Finlee Ln is moderate, ranking above 51% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 74% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Element8 Fixed Wireless | 500 / 100 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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