186 Needham Rd, Pottsboro, TX 75076 Property Records

Grayson County property record for 186 Needham Rd, Pottsboro, TX 75076

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1965
Lot Size	0.859 acres (37,431 sqft)
Owner	Individual Name on File
Tax Bill	$3,274 (2024)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`030B6576077`

Property Details

APN / Parcel Number

Primary APN	`030B6576077`
Alternative APN	`107962`

Interior

Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2008
Lot Area	37,431 sqft (0.859 acres)
Lot Dimensions	162 ft deep x 231 ft wide

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Utility Building	120 sqft

Location & Zoning

Account Number	107962
Old Parcel Number	030B6576077
Street Address	186 NEEDHAM RD
City	POTTSBORO
State	TX
Zip	75076-6253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL CREEK HOMESITE, LOT 86
Legal Subdivision	MILL CREEK HOMESITE
Legal Lot Number	86
Jurisdiction	GRAYSON TX
Township / Civil Division	NORTHWEST GRAYSON
Census Block Group	1
Census Block	1004
Census Tract	305

Owner

186 Needham Rd is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · SBA Mortgage FIRST BANK OF THE LAKE
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEWOOD MORTGAGE LLC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEWOOD MORTGAGE LLC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEWOOD MORTGAGE INC
Aug 31, 2018	Vendor's Lien, Transfer · Conventional Mortgage HOMEWOOD MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018
Deed Sale	Aug 31, 2018
Prior Sale	Nov 10, 2015
Deed Document Number	2018-00019844
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 TAYLOR LN, MC KINNEY, TX 75071-6399

Mortgage

Document Number	0000001844
Date	Jan 22, 2024
Instrument	2024-1844

Lender

Name	FIRST BANK OF THE LAKE
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	126 Months
Due	Jul 12, 2034

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	STNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014631
Date	Jun 17, 2020
Instrument	2020-00014631

Lender

Name	HOMEWOOD MORTGAGE LLC
Type	Mortgage Company
Address	DALLAS, TX 75287

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	STNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014630
Date	Jun 17, 2020
Instrument	2020-00014630

Lender

Name	HOMEWOOD MORTGAGE LLC
Type	Mortgage Company
Address	DALLAS, TX 75287

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	STNT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014818
Date	Jun 18, 2020
Instrument	2020-00014818

Lender

Name	HOMEWOOD MORTGAGE INC
Type	Non-Lending Institution
Address	DALLAS, TX 75287

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Aug 31, 2018
Property Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Document Number	0000019844
Map Reference	VOL1 PG74
Instrument Date	Aug 29, 2018
Instrument	2018-00019844
Transaction Type	Transfer
Record Updated	Oct 14, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 NEEDHAM RD, POTTSBORO, TX 75076-6253
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019845
Date	Aug 31, 2018
Instrument	2018-00019845

Lender

Name	HOMEWOOD MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	25 Months
Due	Sep 1, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	Pottsboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$245,405 Land $124,286 Building $121,119	$245,405 Land $124,286 Building $121,119
2024	$3,274.00
2023		$219,988 Land $104,073 Building $115,915	$219,988 Land $104,073 Building $115,915
2022	$2,661.00

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

Flood

FEMA maps place 186 Needham Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 186 Needham Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% 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	TANGLEWOOD ON TEXOMA private · serves 4,341 people · EPA ID TX0910052
Water Source	Purchased surface water from CITY OF POTTSBORO
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	2.41 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: 360 Broadband, AT&T, Rise Broadband, Verizon.

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