1870 Rugged Trl, Midlothian, TX 76065 Property Records

Ellis County property record for 1870 Rugged Trl, Midlothian, TX 76065

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,057 sqft · built 2014
Lot Size	1.39 acres (60,636 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,753 (2018)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R235153`

Property Details

APN / Parcel Number

Primary APN	`R235153`
Alternative APNs	`54304990102200108` `235153`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,057 sqft Living Area
Gross Area	4,977 sqft
1st Floor Area	2,659 sqft
2nd Floor Area	1,398 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	60,636 sqft
Garage Type	Attached
Garage Area	749 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	171 sqft
Patio Area	313 sqft
Storage Building	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1870 RUGGED TRL
City	MIDLOTHIAN
State	TX
Zip	76065-7413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22AR BLK A COTTON CREEK RANCH REV 1.392 AC
Legal Subdivision	COTTON CREEK RANCH REV
Legal Block	A
Legal Lot Number	22
Jurisdiction	ELLIS TX
Township / Civil Division	MIDLOTHIAN
Census Block Group	2
Census Block	2001
Census Tract	60802

Owner

1870 Rugged Trl is owned and occupied by two individuals who acquired it in March 2020.

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 File
Mailing Address	1870 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit THE AMERICAN NATIONAL BANK OF TEXAS
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage ELEVEN MTG
Feb 24, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Dec 11, 2019	Warranty Deed, Construction Loan · Construction Mortgage PS FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2020
Deed Sale	Mar 9, 2020
Prior Sale	Feb 24, 2020 · Amount on File
Deed Document Number	20207766
Prior Transfer Date	Feb 21, 2020
Prior Transfer Doc	0000005992
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1870 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002243069
Date	Nov 14, 2022
Instrument	2243069

Lender

Name	THE AMERICAN NATIONAL BANK OF TEXAS
Type	Bank
Address	TERRELL, TX 75160

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	1870 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Document Number	0000042930
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1870 RUGGED TRL MIDLOTHIAN TX 760657413, MIDLOTHIAN, TX 76065-7413

Mortgage

Document Number	0000042930
Date	Nov 20, 2020
Instrument	42930

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Feb 24, 2020
Property Address	1870 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Document Number	0000005992
Instrument Date	Feb 21, 2020
Instrument	5992
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1870 RUGGED TRL MIDLOTHIAN TX 760657413, MIDLOTHIAN, TX 76065-7413

Mortgage

Document Number	5993
Date	Feb 24, 2020
Instrument	5993

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Dec 11, 2019
Property Address	1870 RUGGED TRL, MIDLOTHIAN, TX 76065-7413
Document Number	0000037307
Instrument Date	Nov 25, 2019
Instrument	37307
Transaction Type	Construction Loan
Record Updated	Dec 30, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1722 ROUTH ST #900 DALLAS TX 752012588, 900, DALLAS, TX 75201-2588
Investor	Possibly a Property Investor

Mortgage

Document Number	37308
Date	Dec 11, 2019
Instrument	37308

Lender

Name	PS FNDG INC
Address	EL SEGUNDO, CA 90245

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 10, 2020

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		$621,015 (-1.64%) Land $145,000 Building $476,015	$621,015 (-1.64%) Land $145,000 Building $476,015
2025		$631,362 Land $145,000 Building $486,362	$631,362 Land $145,000 Building $486,362
2023		$676,909 Land $130,000 Building $546,909	$676,909 Land $130,000 Building $546,909
2018	$6,753.00

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

Flood

FEMA maps place 1870 Rugged Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1870 Rugged Trl is low, with a 0.03% annual chance of 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	CITY OF MIDLOTHIAN serves 27,699 people · EPA ID TX0700005
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorite resolved · Nov 2017
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 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

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