190 Cole Rd, Red Oak, TX 75154 Property Records

Ellis County property record for 190 Cole Rd, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,603 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,800 (Mar 2020)
Tax Bill	$3,966 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R186864`

Property Details

APN / Parcel Number

Primary APN	`R186864`
Alternative APNs	`99063000004300111` `186864`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,603 sqft Living Area
Gross Area	1,875 sqft
1st Floor Area	1,603 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft
Garage Type	Carport
Garage Area	780 sqft
Carport	Carport
Carport Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	1 sqft
Porch	Covered Porch
Porch Area	400 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	190 COLE RD
City	RED OAK
State	TX
Zip	75154-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	630 A M LAVENDER 1 ACRES
Legal Subdivision	A M LAVENDER
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	3
Census Block	3007
Census Tract	60207

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	190 COLE RED, RED OAK, TX 75154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2020	Warranty Deed, Transfer GUARANTEED RATE
Mar 23, 2019	Deed of Trust, Mortgage CREDIT UNION/TX
Nov 28, 2017	Quit Claim Deed, Mortgage · FHA Mortgage CREDIT UNION MEMBERS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Document Number	20206855
Prior Transfer Date	Feb 21, 2020
Prior Transfer Doc	0000006855
Record Updated	Sep 20, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Mar 2, 2020
Property Address	208 COLE RD, RED OAK, TX 75154-4704
Document Number	0000006855
Instrument Date	Feb 21, 2020
Instrument	6855
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	208 COLE RD RED OAK TX 751544704, RED OAK, TX 75154-4704

Mortgage

Document Number	6856
Date	Mar 2, 2020
Instrument	6856

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	208 COLE RD, RED OAK, TX 75154-4704
Document Number	0000015708
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	208 COLE RD RED OAK TX 751544704, RED OAK, TX 75154-4704

Mortgage

Document Number	0000015708
Date	Jun 6, 2019
Instrument	15708

Lender

Name	CREDIT UNION/TX
Type	Credit Union
Address	DALLAS, TX 75251

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2034

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ELLIS TX
Recording Date	Nov 28, 2017
Property Address	208 COLE RD, RED OAK, TX 75154-4704
Document Number	0000034010
Instrument Date	Nov 21, 2017
Instrument	34010
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	558 DAWSON DR DUNCANVILLE TX 751163702, DUNCANVILLE, TX 75116-3702

Mortgage

Document Number	34011
Date	Nov 28, 2017
Instrument	34011

Lender

Name	CREDIT UNION MEMBERS MTG
Type	Credit Union
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$368,240 (-3.24%) Land $125,000 Building $243,240	$368,240 (-3.24%) Land $125,000 Building $243,240
2025	$3,966.00 (-16.93%) Homeowner's exemption	$380,552 (-8.2%) Land $125,000 Building $255,552	$380,552 (-8.2%) Land $125,000 Building $255,552
2024	$4,774.00 (+105.51%)
2023		$414,537 Land $125,000 Building $289,537	$414,537 Land $125,000 Building $289,537
2018	$2,323.00

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 · 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	7 in force
Nearby Flood Claims	4 (2015–2022)
Most Recent Claim	Aug 2022 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	ROCKETT SUD serves 46,614 people · EPA ID TX0700033
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 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	4 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 Fiber · Cable in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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