Cherokee County property record for 131 Ray St, Rusk, TX 75785
| Property Type | Single Family Home |
|---|---|
| Details | 1,266 sqft · built 1985 |
| Lot Size | 0.305 acres (13,277 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,150 (Mar 2024) |
| Tax Bill | $1,825 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 215180000300009A00 |
| Primary APN | 215180000300009A00 |
|---|---|
| Alternative APN |
|
| Building Area | 1,266 sqft Living Area |
|---|---|
| Gross Area | 2,038 sqft |
| 1st Floor Area | 1,266 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,277 sqft (0.305 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Deck Area | 196 sqft |
| Cooling System | Central |
|---|
| Account Number | 215180-00030-0009A00 |
|---|---|
| Street Address | 131 RAY ST |
| City | RUSK |
| State | TX |
| Zip | 75785-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9A BLK 3 & 10A BUTLER P T - CITY OF RUSK |
| Legal Subdivision | T G TIMMONS SURVEY |
| Legal Block | 3 |
| Legal Lot Number | 9A |
| Jurisdiction | CHEROKEE TX |
| Township / Civil Division | RUSK |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 950801 |
131 Ray St is owned and occupied by two individuals who bought it in March 2024.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 131 RAY ST, RUSK, TX 75785-2504 |
| 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 |
|---|---|
| Mar 11, 2024 | Deed, Transfer · USDA Mortgage NEIGHBORS BANK |
| Mar 3, 2020 | Vendor's Lien, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on File |
| Deed Sale | Mar 11, 2024 · Amount on File |
| Prior Sale | Mar 3, 2020 · Amount on File |
| Deed Document Number | 2024730531 |
| Deed Book / Page | 2807 / 682 |
| Prior Transfer Date | Feb 28, 2020 |
| Prior Transfer Doc | 002536/300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEROKEE TX |
| Recording Date | Mar 11, 2024 |
| Property Address | 131 RAY ST, RUSK, TX 75785-2504 |
| Document Number | 002807/682 |
| Book / Page | 2807 / 682 |
| Instrument Date | Mar 8, 2024 |
| Instrument | 730531 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 131 RAY ST, RUSK, TX 75785-2504 |
| Document Number | 0000730532 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 730532 |
| Name | NEIGHBORS BANK |
|---|---|
| Type | Bank |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | CHEROKEE TX |
| Recording Date | Mar 3, 2020 |
| Property Address | 131 RAY ST, RUSK, TX 75785-2504 |
| Document Number | 002536/300 |
| Book / Page | 2536 / 300 |
| Map Reference | VOL 456 PG 464 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 688020 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 RAY ST, RUSK, TX 75785-2504 |
| Document Number | 0000688021 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 688021 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
The 2026 property tax bill for 131 Ray St was $1,825, up 213% from the year before.
Source: Cherokee County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cherokee County |
| Municipality | Rusk City |
| Unified School District | Rusk Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,825.00 (+213.04%) | $103,820 (-12.8%) Land $9,770 Building $94,050 | $103,820 (-12.8%) Land $9,770 Building $94,050 |
| 2025 | $583.00 | $119,060 (-31.49%) Land $9,770 Building $109,290 | $119,060 (-31.49%) Land $9,770 Building $109,290 |
| 2024 | $173,780 (+2.34%) Land $9,770 Building $164,010 | $173,780 (+2.34%) Land $9,770 Building $164,010 | |
| 2023 | $169,810 Land $5,800 Building $164,010 | $169,810 Land $5,800 Building $164,010 | |
| 2022 | $1,742.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 131 Ray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 20, 2021 · 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 | 1 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 131 Ray St is moderate, ranking above 45% 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 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 RUSK serves 5,602 people · EPA ID TX0370003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Optimum Cable | 500 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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