131 Loy Dr, Denison, TX 75020 Property Records

Grayson County property record for 131 Loy Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,652 sqft · built 1960
Lot Size	0.486 acres (21,161 sqft)
Owner	2 Individual Names on File
Last Sale	$97,500 (Jun 2016)
Tax Bill	$1,974 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D002 3039071`

Property Details

APN / Parcel Number

Primary APN	`D002 3039071`
Alternative APN	`139424`

Interior

Stories	1 Story
Building Area	1,652 sqft Living Area
Gross Area	1,995 sqft
1st Floor Area	1,652 sqft
Basement Area	500 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1998
Lot Area	21,161 sqft (0.486 acres)
Garage Type	Attached
Garage Area	343 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	196 sqft
Utility Building	80 sqft

Location & Zoning

Street Address	131 LOY DR
City	DENISON
State	TX
Zip	75020-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUFFS 1ST ADDN, BLOCK 3, LOT 13 & S/2 14
Legal Subdivision	CUFFS 1ST ADDN
Legal Block	3
Legal Lot Number	13
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1009
Census Tract	501

Owner

131 Loy Dr is owned and occupied by two individuals who bought it in June 2016.

Source: Grayson County records, as of August 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	131 LOY DR, DENISON, TX 75020-2354
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 4, 2018	Deed of Trust, Mortgage ROYAL UNITED MTG
Feb 8, 2018	Warranty Deed, Transfer ROYAL UNITED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2016 · Amount on File
Deed Sale	Jun 22, 2016 · Amount on File
Prior Sale	Sep 27, 2005
Deed Document Number	201613025
Deed Book / Page	5827 / 327
Prior Transfer Date	Oct 30, 2007
Prior Transfer Doc	0000028201
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	131 LOY DR, DENISON, TX 75020-2354
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002329
Date	Jan 24, 2022
Instrument	2022-2329

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	131 LOY DR, DENISON, TX 75020-2354
Document Number	0000007483
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018
Title Company	RED RIVER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007483
Date	Apr 5, 2018
Instrument	7483

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Feb 8, 2018
Property Address	131 LOY DR, DENISON, TX 75020-2354
Document Number	0000002592
Instrument Date	Feb 7, 2018
Instrument	2592
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	RED RIVER TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	131 LOY DR DENISON TX 750202354, DENISON, TX 75020-2354

Mortgage

Document Number	2593
Date	Feb 8, 2018
Instrument	2593

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2048

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Denison City
Unified School District	Denison Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$150,146 Land $38,729 Building $111,417	$150,146 Land $38,729 Building $111,417
2024	$1,974.00
2023		$149,202 Land $32,380 Building $116,822	$149,202 Land $32,380 Building $116,822
2022	$2,674.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 131 Loy Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 131 Loy Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20

May also be available: 360 Broadband, TekWav.

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