19109 Oak Trail Dr, Flint, TX 75762 Property Records

Smith County property record for 19109 Oak Trail Dr, Flint, TX 75762

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,510 sqft · built 1984
Lot Size	0.332 acres (14,462 sqft)
Owner	2 Individual Names on File
Last Sale	$124,400 (Jul 2015)
Tax Bill	$2,514 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R085750`

Property Details

APN / Parcel Number

Primary APN	`R085750`
Alternative APN	`1-81045-0005-00-013000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,510 sqft Heated Area
1st Floor Area	1,510 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	14,462 sqft (0.332 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	14 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	R085750
Street Address	19109 OAK TRAIL DR
City	FLINT
State	TX
Zip	75762-6610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROYAL OAKS BLOCK 5 LOT 13
Legal Subdivision	ROYAL OAKS
Legal Block	5
Legal Lot Number	13
Jurisdiction	SMITH TX
Township / Civil Division	BULLARD
Census Block Group	1
Census Block	1001
Census Tract	1914

Owner

19109 Oak Trail Dr is owned and occupied by two individuals who bought it in July 2015.

Source: Smith County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19109 OAK TRAIL DR, FLINT, TX 75762-6610
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
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage KELLY COMMUNITY FCU
Jun 19, 2020	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2015 · Amount on File
Deed Sale	Jul 6, 2015 · Amount on File
Prior Sale	Mar 15, 2010 · Amount on File
Deed Document Number	2015100031118
Prior Transfer Date	Jul 2, 2015
Prior Transfer Doc	0100031118
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	19109 OAK TRAIL DR, FLINT, TX 75762-6610
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001031566
Date	Aug 15, 2022
Instrument	202201031566

Lender

Name	KELLY COMMUNITY FCU
Type	Credit Union
Address	TYLER, TX 75703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	5 Years
Min Rate At Change	3%
Index	Other
Margin	3
Max Rate	6%

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SMITH TX
Property Address	19109 OAK TRAIL DR, FLINT, TX 75762-6610
Document Number	0000027027
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19109 OAK TRAIL DR FLINT TX 757626610, FLINT, TX 75762-6610

Mortgage

Document Number	0000027027
Date	Aug 3, 2020
Instrument	27027

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 19109 Oak Trail Dr was $2,514 with a homeowner's exemption, up 7.1% from the year before.

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Smith County
Unified School District	Tyler Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,514.00 (+7.12%) Homeowner's exemption	$252,568 (+4.72%) Land $49,684 Building $202,884	$252,568 (+4.72%) Land $49,684 Building $202,884
2025	$2,347.00 (-11.77%) Homeowner's exemption	$241,174 Land $49,684 Building $191,490	$241,174 Land $49,684 Building $191,490
2024	$2,660.00 (-20.26%)
2023	$3,336.00 (+2.24%)	$213,464 Land $26,658 Building $186,806	$213,464 Land $26,658 Building $186,806
2022	$3,263.00

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

Flood

FEMA maps place 19109 Oak Trail Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 2, 2024 · 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	4 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 19109 Oak Trail Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTHERN UTILITIES private · serves 69,735 people · EPA ID TX2120063
Water Source	Purchased surface water from CITY OF TYLER
Last State Inspection	Jan 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Etex Telephone, T-Mobile.

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