195 Rayford Dr, Lorena, TX 76655 Property Records

McLennan County property record for 195 Rayford Dr, Lorena, TX 76655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 2024
Lot Size	1.18 acres (51,662 sqft)
Owner	Individual Name on File
Last Sale	$622,440 (Jun 2026)
Tax Bill	$6,210 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-334600-001600-0`

Property Details

APN / Parcel Number

Primary APN	`30-334600-001600-0`
Alternative APN	`411183`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Material	Composition Shingle
Lot Area	51,662 sqft
Lot Dimensions	329 ft deep x 157 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	195 RAYFORD DR
City	LORENA
State	TX
Zip	76655-3129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN HEIGHTS LOT 2 BLOCK 3 ACRES 1.186
Legal Subdivision	SOUTHERN HEIGHTS
Legal Block	3
Legal Lot Number	2
Jurisdiction	MCLENNAN TX
Township / Civil Division	MOODY-LORENA
Census Block Group	4
Census Block	4001
Census Tract	3801

Owner

Source: McLennan County records, as of August 24, 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	Individual Name on File
Mailing Address	139 MOSES MANOR DR, LORENA, TX 76655-9755
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK/CTRL TX
Aug 21, 2023	Warranty Deed, Transfer INDEPENDENCE TITLE
Apr 19, 2022	Vendor's Lien, Transfer · Line of Credit INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Aug 21, 2023
Deed Document Number	202619460
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLENNAN TX
Recording Date	Jun 18, 2026
Property Address	195 RAYFORD DR, LORENA, TX 76655-3129
Document Number	0000019460
Instrument Date	Jun 18, 2026
Instrument	202619460
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 MOSES MANOR DR, LORENA, TX 76655-9755

Mortgage

Document Number	0000019461,
Date	Jun 18, 2026
Instrument	202619461

Lender

Name	FIRST NATIONAL BANK/CTRL TX

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLENNAN TX
Recording Date	Aug 21, 2023
Property Address	195 RAYFORD DR, LORENA, TX 76655-3129
Document Number	0000026455
Map Reference	DOC 2022012240
Instrument Date	Aug 16, 2023
Instrument	2023026455
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 YORK DR, LORENA, TX 76655-9645
Investor	Possibly a Property Investor

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Apr 19, 2022
Property Address	195 RAYFORD DR, LORENA, TX 76655-3129
Document Number	0000015490
Map Reference	DOC 2022012240
Instrument Date	Apr 18, 2022
Instrument	2022015490
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8656 EINCA ST, MESA, AZ 85207
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015491
Date	Apr 19, 2022
Instrument	2022015491

Lender

Name	INDEPENDENT BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 18, 2042

Interest

Max Rate At Change	18%

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Unified School District	Lorena Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$608,248 (+7.87%) Land $78,526 Building $529,722	$608,248 (+7.87%) Land $78,526 Building $529,722
2025	$6,210.00 (+536.27%) Homeowner's exemption	$563,890 (+690.98%) Land $71,290 Building $492,600	$563,890 (+690.98%) Land $71,290 Building $492,600
2024	$976.00 (-3.17%)
2023		$71,290 Land $71,290	$71,290 Land $71,290
2022	$1,008.00

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, effective June 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	2 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2010 · 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	Moderate above 62% of the US · above 46% of Texas
Wildfire Likelihood	0.1% 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	SPRING VALLEY WSC serves 2,759 people · EPA ID TX1550044
Water Source	Purchased surface water from BLUEBONNET WSC
Last State Inspection	Oct 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fiber · Fixed Wireless	1,000 / 200
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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