1324 Whiting Rd, Bells, TX 75414 Property Records

Grayson County property record for 1324 Whiting Rd, Bells, TX 75414

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3,132 sqft · built 2007
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$298,800 (Feb 2020)
Tax Bill	$5,583 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115 032703802`

Property Details

APN / Parcel Number

Primary APN	`115 032703802`
Alternative APN	`261272`

Interior

Stories	1 Story
Building Area	3,132 sqft Gross Area
1st Floor Area	2,457 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	474 sqft
Utility Building	120 sqft

Location & Zoning

Street Address	1324 WHITING RD
City	BELLS
State	TX
Zip	75414-2786
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	G-0327 DUGAN DANIEL A-G0327, ACRES 10.0
Legal Subdivision	DUGAN DANIEL A-G0327
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1060
Census Tract	101

Owner

1324 Whiting Rd, an agricultural property, is owned and occupied by two individuals who bought it in February 2020.

Source: Grayson County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1324 WHITING RD, BELLS, TX 75414-2786
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit NATIONAL HOME MORTGAGE CORPORATION
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 26, 2025	Intrafamily Transfer, Transfer RED RIV TITLE COMPANY, RED RIVER TITLE CO
Feb 26, 2020	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2020 · Amount on File
Deed Sale	Feb 26, 2020 · Amount on File
Prior Sale	May 31, 2006
Deed Document Number	20204614
Prior Transfer Date	Feb 14, 2020
Prior Transfer Doc	0000004614
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Recording Date	Apr 1, 2026
Property Address	1324 WHITING RD, BELLS, TX 75414-2786
Document Number	0000007678
Instrument Date	Mar 20, 2026
Instrument	20267678
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 WHITING RD, BELLS, TX 75414-2786

Mortgage

Document Number	0000007678,
Date	Apr 1, 2026
Instrument	20267678

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate	6.01%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1324 WHITING RD, BELLS, TX 75414-2786
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032597
Date	Sep 23, 2021
Instrument	2021-00032597

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON TX
Recording Date	Sep 26, 2025
Property Address	1324 WHITING RD, BELLS, TX 75414-2786
Document Number	0000025041
Map Reference	VOL 548 PG 111
Instrument Date	Sep 25, 2025
Instrument	2025-25041
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1324 WHITING RD, BELLS, TX 75414-2786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 WHITING RD, BELLS, TX 75414-2786

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON TX
Recording Date	Feb 26, 2020
Property Address	1324 WHITING RD, BELLS, TX 75414-2786
Document Number	0000004614
Map Reference	VOL 4061 PG 750
Instrument Date	Feb 14, 2020
Instrument	2020-00004614
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	FIRSTITLE & ABSTRACT SVCS LL

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 WHITING RD, BELLS, TX 75414-2786

Mortgage

Document Number	0000004615
Date	Feb 26, 2020
Instrument	2020-00004615

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	Bells Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$477,352	$858,991 Land $380,000 Building $478,991
2024	$5,583.00
2023		$479,638 Land $13,485 Building $466,153	$726,153 Land $260,000 Building $466,153
2022	$5,599.00

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

Flood

FEMA maps place 1324 Whiting Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective October 13, 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	5 in force
Nearby Flood Claims	4 (1990–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims Severe Storms, Tornadoes & Flooding, May 1990 · 2 claims

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

Wildfire risk around 1324 Whiting Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 66% of Texas
Wildfire Likelihood	0.1% 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	SOUTHWEST FANNIN COUNTY SUD serves 9,198 people · EPA ID TX0740031
Water Source	Groundwater
Last State Inspection	Apr 2025
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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
TekWav Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	60 / 6

May also be available: T-Mobile.

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