Fannin County property record for 1351 FM 981, Leonard, TX 75452
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,192 sqft · built 1990 |
| Lot Size | 3.66 acres (159,604 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $291,536 (Jun 2023) |
| Tax Bill | $4,417 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1271-003-0010-02 |
| Primary APN | 1271-003-0010-02 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,192 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 159,604 sqft (3.66 acres) |
| Porch | Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Electric |
| Account Number | 1271-003-0010-02 |
|---|---|
| Street Address | 1351 FM 981 |
| City | LEONARD |
| State | TX |
| Zip | 75452-4915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A1271 W DOOLEY, ACRES 3.664 |
| Jurisdiction | FANNIN TX |
| Township / Civil Division | LEONARD |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 950701 |
1351 FM 981 is owned and occupied by two individuals who bought it in June 2023.
Source: Fannin County records, as of May 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1351 FM 981, LEONARD, TX 75452-4915 |
| 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 |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Jun 16, 2023 | Vendor's Lien, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on File |
| Deed Sale | Jun 16, 2023 · Amount on File |
| Deed Document Number | 20233701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FANNIN TX |
| Recording Date | Apr 24, 2026 |
| Property Address | 1351 FM 981, LEONARD, TX 75452-4915 |
| Document Number | 0000002471 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20262471 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000002471, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 20262471 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | FANNIN TX |
| Recording Date | Jun 16, 2023 |
| Property Address | 1351 FM 981, LEONARD, TX 75452-4915 |
| Document Number | 2023003701 |
| Instrument Date | May 23, 2023 |
| Instrument | 2023003701 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1351 FM 981, LEONARD, TX 75452-4915 |
| Document Number | 2023003702 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 2023003702 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 1351 FM 981 was $4,417 with a homeowner's exemption, up 58.4% from the year before.
Source: Fannin County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Fannin County |
| Unified School District | Leonard Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,417.00 (+58.37%) Homeowner's exemption | $286,790 Land $214,980 Building $71,810 | $286,790 Land $214,980 Building $71,810 |
| 2024 | $2,789.00 | ||
| 2023 | $290,400 (+61.79%) Land $220,520 Building $69,880 | $290,400 (+61.79%) Land $220,520 Building $69,880 | |
| 2022 | $179,490 Land $111,220 Building $68,270 | $179,490 Land $111,220 Building $68,270 | |
| 2018 | $1,096.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1351 FM 981 in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective June 16, 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 | 10 (2015–2020) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Mar 2020 · other causes |
| Claims by Event |
|
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 1351 FM 981 is moderate, ranking above 52% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 72% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% 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 | WEST LEONARD WSC serves 2,733 people · EPA ID TX0740034 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 360 Broadband Fiber · Fixed Wireless | 2,000 / 2,000 |
| Rise Broadband Fixed Wireless | 300 / 60 |
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