1531 Rugged Ct, Midlothian, TX 76065 Property Records

Ellis County property record for 1531 Rugged Ct, Midlothian, TX 76065

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,322 sqft · built 2013
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on Record
Tax Bill	$8,068 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R235227`

Property Details

APN / Parcel Number

Primary APN	`R235227`
Alternative APNs	`54304990600300108` `235227`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,322 sqft Living Area
Gross Area	4,241 sqft
1st Floor Area	2,224 sqft
2nd Floor Area	1,098 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	283 sqft
Storage Building	160 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1531 RUGGED CT
City	MIDLOTHIAN
State	TX
Zip	76065-7418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3A BLK F COTTON CREEK RANCH .54 AC
Legal Subdivision	COTTON CREEK RANCH
Legal Block	F
Legal Lot Number	3A
Jurisdiction	ELLIS TX
Township / Civil Division	MIDLOTHIAN
Census Block Group	2
Census Block	2000
Census Tract	60802

Owner

Source: Ellis County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
Sep 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Jul 1, 2019	Deed of Trust, Mortgage PRIMEWEST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2013
Deed Sale	Jul 19, 2013
Prior Sale	Jan 31, 2013
Deed Document Number	201317034
Deed Book / Page	2712 / 1114
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418

Mortgage

Document Number	0002541032
Date	Dec 10, 2025
Instrument	2541032

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	1920 ELMWOOD NORTH AVE, WICHITA FALLS, TX 76308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002236824
Date	Sep 19, 2022
Instrument	2236824

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	LUBBOCK, TX 79423

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2125547
Date	Jun 10, 2021
Instrument	2125547

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	LUBBOCK, TX 79423

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1531 RUGGED CT, MIDLOTHIAN, TX 76065-7418
Document Number	0000019191
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1531 RUGGED CT MIDLOTHIAN TX 760657418, MIDLOTHIAN, TX 76065-7418

Mortgage

Document Number	0000019191
Date	Jul 10, 2019
Instrument	19191

Lender

Name	PRIMEWEST MTG
Type	Mortgage Company
Address	LUBBOCK, TX 79423

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2034

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$538,991 (-1.14%) Land $100,000 Building $438,991	$538,991 (-1.14%) Land $100,000 Building $438,991
2025	$8,068.00 (-4.09%) Homeowner's exemption	$545,196 (-8.06%) Land $100,000 Building $445,196	$545,196 (-8.06%) Land $100,000 Building $445,196
2024	$8,412.00 (+4.73%)
2023	$8,032.00 (-17.49%)	$593,003 Land $90,000 Building $503,003	$593,003 Land $90,000 Building $503,003
2018	$9,735.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 9, 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.03% 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 MIDLOTHIAN serves 27,699 people · EPA ID TX0700005
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Nov 2017
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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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