165 Co Rd 132, Gary, TX 75643 Property Records

Panola County property record for 165 Co Rd 132, Gary, TX 75643

Property Summary

Property Type	Single Family Home
Details	1,288 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,970 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2019 Mortgage
APN	`00038-00061-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`00038-00061-00000-000000`
Alternative APN	`29789`

Interior

Building Area	1,288 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	00038-00061-00000-000000
Street Address	165 COUNTY ROAD 132
City	GARY
State	TX
Zip	75643-5247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 38 T APPLEWHITE
Jurisdiction	PANOLA TX
Township / Civil Division	GARY CITY
Census Block Group	2
Census Block	2045
Census Tract	950600

Owner

Source: Panola County records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 15, GARY, TX 75643-0015
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · SBA Mortgage LIVE OAK BANKING COMPANY
Dec 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage LIVE OAK BANKING COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2009
Deed Sale	Mar 11, 2009
Deed Document Number	2009139297
Deed Book / Page	1493 / 613
Prior Transfer Date	Feb 21, 2009
Prior Transfer Doc	0000139296
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PANOLA TX
Property Address	165 COUNTY ROAD 132, GARY, TX 75643-5247
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15, GARY, TX 75643-0015

Mortgage

Document Number	0000244048
Date	Jul 29, 2022
Instrument	244048

Lender

Name	LIVE OAK BANKING COMPANY
Type	Bank
Address	WILMINGTON, NC 28403

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Jul 27, 2043

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PANOLA TX
Property Address	165 COUNTY ROAD 132, GARY, TX 75643-5247
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	CARTHAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2059/279
Date	Dec 30, 2019
Book Page	2059/279
Instrument	221902

Lender

Name	LIVE OAK BANKING COMPANY
Type	Bank
Address	WILMINGTON, NC 28403

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Dec 23, 2025

Tax Assessment & Valuation

Source: Panola County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Panola County
Unified School District	Gary Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,970.00 (+46.23%)	$144,370 (+6.57%) Land $10,660 Building $133,710	$144,370 (+6.57%) Land $10,660 Building $133,710
2025		$135,470 (+36.41%) Land $10,660 Building $124,810	$135,470 (+36.41%) Land $10,660 Building $124,810
2023		$99,310 Land $5,840 Building $93,470	$99,310 Land $5,840 Building $93,470
2022	$2,031.00

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

FEMA Flood Zone	Not on file

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	Moderate above 40% of the US · lower than 85% 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	GARY WSC serves 1,050 people · EPA ID TX1830008
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024 Corrosion control Oct 2014
Monitoring and Reporting	32 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.

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)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 132

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