1810 Waterloo Ave, Denison, TX 75020 Property Records

Grayson County property record for 1810 Waterloo Ave, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	980 sqft · built 1950
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on Record
Tax Bill	$1,989 (2024)
Deeds & Mortgages	May 2023 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D037 3093030`

Property Details

APN / Parcel Number

Primary APN	`D037 3093030`
Alternative APN	`148663`

Interior

Building Area	980 sqft Living Area
Gross Area	1,268 sqft
1st Floor Area	980 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1995
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	228 sqft
Utility Building	192 sqft

Location & Zoning

Account Number	148663
Old Parcel Number	D037 3093030
Street Address	1810 WATERLOO AVE
City	DENISON
State	TX
Zip	75020-5722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HYDE PARK S/D, BLOCK 3, LOT 4, ACRES .4591
Legal Subdivision	HYDE PARK S/D
Legal Block	3
Legal Lot Number	4
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	4
Census Block	4001
Census Tract	800

Owner

Source: Grayson County records, as of October 20, 2025

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	1810 WATERLOO AVE, DENISON, TX 75020-5722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit BOKF NA
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 27, 2018	Vendor's Lien, Transfer CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018
Deed Sale	Aug 27, 2018
Prior Sale	Feb 2, 2004
Deed Document Number	2018-00019440
Record Updated	Jun 7, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1810 WATERLOO AVE, DENISON, TX 75020-5722
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013917
Date	May 31, 2023
Instrument	2023-13917

Lender

Name	BOKF NA
Type	Bank
Address	29775

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	1810 WATERLOO AVE, DENISON, TX 75020-5722
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026257
Date	Sep 28, 2020
Instrument	2020-00026257

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Aug 27, 2018
Property Address	1810 WATERLOO AVE, DENISON, TX 75020-5722
Document Number	0000019440
Map Reference	VOL489 PG91&92
Instrument Date	Aug 23, 2018
Instrument	2018-00019440
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	GRAYSON COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 WATERLOO AVE, DENISON, TX 75020-5722

Mortgage

Document Number	0000019442
Date	Aug 27, 2018
Instrument	2018-00019442

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$154,117 (-3.69%) Land $70,000 Building $97,603	$167,603 (+4.74%) Land $70,000 Building $97,603
2024	$1,989.00 (-7.75%)
2023		$160,015 Land $59,800 Building $100,215	$160,015 Land $59,800 Building $100,215
2022	$2,156.00

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 13, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.04% 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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50

May also be available: Metronet, Nextlink, TekWav, Verizon.

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