186 Co Rd 193, Gary, TX 75643 Property Records

Panola County property record for 186 Co Rd 193, Gary, TX 75643

Property Summary

Property Type	Single Family Home
Details	1,374 sqft · built 1965
Lot Size	1.24 acres (54,058 sqft)
Owner	Individual Name on File
Last Sale	$172,900 (Apr 2026)
Tax Bill	$1,917 (2025)
Deeds & Mortgages	Jul 2005 Mortgage Apr 2026 Sale & Mortgage + 2 more
APN	`00385-00850-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`00385-00850-00000-000000`
Alternative APN	`3464`

Interior

Building Area	1,374 sqft Total Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	54,058 sqft (1.24 acres)

Location & Zoning

Account Number	00385-00850-00000-000000
Street Address	186 COUNTY ROAD 193
City	GARY
State	TX
Zip	75643-3790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 385 ELIZABETH LEWIS LAKE MURVAUL P-79
Legal Subdivision	ELIZABETH LEWIS SURVEY A 385
Jurisdiction	PANOLA TX
Township / Civil Division	LONG BRANCH-DOTSON
Census Block Group	1
Census Block	1022
Census Tract	950500

Owner

Source: Panola County assessment roll, as of February 5, 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 File
Mailing Address	186 COUNTY ROAD 193, GARY, TX 75643-3790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2005	Deed of Trust, Mortgage · ARM OPTION ONE MORTGAGE CORP
Apr 7, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
May 3, 2016	Vendor's Lien, Transfer · Conventional Mortgage SFMC LP
Jul 5, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	May 3, 2016 · Amount on Record
Deed Document Number	20261578
Record Updated	Sep 20, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PANOLA TX
Property Address	186 COUNTY ROAD 193, GARY, TX 75643-3790
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001273/720
Date	Jul 5, 2005
Book Page	1273/720
Instrument	00102457

Lender

Name	OPTION ONE MORTGAGE CORP
Type	Subprime Lender
Address	IRVINE, CA 92618

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10.7%
Type Change Date	Jul 1, 2007
Change Frequency	6 Months
Min Rate At Change	10.7%
Max Rate At Change	13.7%
Index	6-Month LIBOR
Max Rate	16.7%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PANOLA TX
Recording Date	Apr 7, 2026
Property Address	186 COUNTY ROAD 193, GARY, TX 75643-3790
Document Number	0000001578
Instrument Date	Apr 6, 2026
Instrument	20261578
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	CARTHAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 COUNTY ROAD 193, GARY, TX 75643-3790

Mortgage

Document Number	0000001579,
Date	Apr 7, 2026
Instrument	20261579

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

May 2016: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PANOLA TX
Recording Date	May 3, 2016
Property Address	186 COUNTY ROAD 193, GARY, TX 75643-3790
Document Number	001870/413
Book / Page	1870 / 413
Map Reference	VOL 930 PG 173
Instrument Date	May 3, 2016
Instrument	196102
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 COUNTY ROAD 193, GARY, TX 75643-3790

Mortgage

Document Number	0000196103
Date	May 3, 2016
Instrument	196103

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PANOLA TX
Recording Date	Jul 5, 2005
Property Address	186 COUNTY ROAD 193, GARY, TX 75643-3790
Document Number	001273/715
Book / Page	1273 / 715
Map Reference	MB1183 PG74
Instrument Date	Jun 24, 2005
Instrument	00102456
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 COUNTY ROAD 193, GARY, TX 75643-3790

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
2025	$1,917.00 (+168.49%) Homeowner's exemption	$159,750 (+108.52%) Land $44,370 Building $115,380	$159,750 (+108.52%) Land $44,370 Building $115,380
2023		$76,610 Land $6,930 Building $69,680	$76,610 Land $6,930 Building $69,680
2022	$714.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH MURVAUL WSC serves 981 people · EPA ID TX1830027
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform assessment Oct 2024
Monitoring and Reporting	6 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Uniti Group DSL	25 / 3

Cell Coverage

4G LTE only, no 5G reported

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