1820 Rugged Trl, Midlothian, TX 76065 Property Records

Ellis County property record for 1820 Rugged Trl, Midlothian, TX 76065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,270 sqft · built 2015
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,652 (Apr 2015)
Tax Bill	$9,296 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R235148`

Property Details

APN / Parcel Number

Primary APN	`R235148`
Alternative APNs	`54304990101700108` `235148`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,270 sqft Living Area
Gross Area	4,547 sqft
1st Floor Area	2,870 sqft
2nd Floor Area	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)
Garage Type	Attached
Garage Area	965 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Pool House	1 sqft
Porch	Covered Porch
Porch Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1820 RUGGED TRL
City	MIDLOTHIAN
State	TX
Zip	76065-7413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17A BLK A COTTON CREEK RANCH .95 AC
Legal Subdivision	COTTON CREEK RANCH
Legal Block	A
Legal Lot Number	17A
Jurisdiction	ELLIS TX
Township / Civil Division	MIDLOTHIAN
Census Block Group	2
Census Block	2001
Census Tract	60802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1820 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS TRUST CU
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE COWBOY BANK OF TEXAS
Dec 29, 2017	Deed of Trust, Mortgage COWBOY BK/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2015 · Amount on Record
Deed Sale	Apr 16, 2015 · Amount on Record
Deed Document Number	20158261
Deed Book / Page	2829 / 1389
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1820 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002541039
Date	Dec 10, 2025
Instrument	2541039

Lender

Name	TEXAS TRUST CU
Type	Credit Union
Address	PO BOX 2109, MANSFIELD, TX 76063

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1820 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2107007
Date	Feb 22, 2021
Instrument	2107007

Lender

Name	THE COWBOY BANK OF TEXAS
Type	Bank
Address	MAYPEARL, TX 76064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1820 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Document Number	0000000676
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1820 RUGGED TRL MIDLOTHIAN TX 760657413, MIDLOTHIAN, TX 76065-7413

Mortgage

Document Number	0000000676
Date	Jan 8, 2018
Instrument	676

Lender

Name	COWBOY BK/TX
Type	Bank
Address	MAYPEARL, TX 76064

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

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		$670,000 (+7.65%) Land $145,000 Building $525,000	$670,000 (-0.74%) Land $145,000 Building $525,000
2025	$9,296.00 (+6.57%) Homeowner's exemption	$622,389 (-16.35%) Land $145,000 Building $530,000	$675,000 (-9.28%) Land $145,000 Building $530,000
2024	$8,723.00 (+8.89%)
2023	$8,011.00 (-12.21%) Homeowner's exemption	$744,035 Land $130,000 Building $614,035	$744,035 Land $130,000 Building $614,035
2018	$9,125.00

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	MOUNTAIN PEAK SUD serves 25,302 people · EPA ID TX0700042
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Nearby Properties on Rugged Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures