199 Earl St, Rusk, TX 75785 Property Records

Cherokee County property record for 199 Earl St, Rusk, TX 75785

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,400 sqft
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$141,317 (Jul 2021)
Tax Bill	$1,728 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`615490-00000-0004000`

Property Details

APN / Parcel Number

Primary APN	`615490-00000-0004000`
Alternative APN	`985836152`

Interior

Bedrooms	2 Beds
Building Area	1,400 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	1,400 sqft

Exterior

Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	615490-00000-0004000
Street Address	199 EARL ST
City	RUSK
State	TX
Zip	75785-9399
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK EARL ROSS S/D SEC I
Legal Subdivision	EARL ROSS
Legal Lot Number	4
Jurisdiction	CHEROKEE TX
Township / Civil Division	RUSK
Census Block Group	2
Census Block	2070
Census Tract	950802

Owner

199 Earl St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	199 EARL ST, RUSK, TX 75785-9399
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
Jul 14, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage TEXAS STATE AFFORDABLE HOUSING CORPORATI
Jul 14, 2021	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 26, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Sep 26, 2017 · Amount on File
Deed Document Number	2021702048
Deed Book / Page	2630 / 99
Prior Transfer Date	Jun 20, 2016
Prior Transfer Doc	2328/199
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE TX
Property Address	199 EARL ST, RUSK, TX 75785-9399
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	ALDRICH ABSTRACT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	EARL STREET, RUSK, TX 75785

Mortgage

Document Number	002630/121
Date	Jul 14, 2021
Book Page	2630/121
Instrument	702050

Lender

Name	TEXAS STATE AFFORDABLE HOUSING CORPORATI
Type	Non-Lending Institution
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jul 13, 2024

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CHEROKEE TX
Recording Date	Jul 14, 2021
Property Address	199 EARL ST, RUSK, TX 75785-9399
Document Number	0002630/99
Book / Page	2630 / 99
Map Reference	CAB B SL 189
Instrument Date	Jul 13, 2021
Instrument	702048
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 EARL ST, RUSK, TX 75785-9399

Mortgage

Document Number	0000702049
Date	Jul 14, 2021
Instrument	702049

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE TX
Recording Date	Sep 26, 2017
Property Address	199 EARL ST, RUSK, TX 75785-9399
Document Number	2400/402
Book / Page	2400 / 402
Map Reference	CAB B SL 189
Instrument Date	Sep 15, 2017
Instrument	00665543
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 EARL ST, RUSK, TX 75785-9399

Mortgage

Document Number	00665544
Date	Sep 26, 2017
Instrument	00665544

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 199 Earl St was $1,728, up 150.8% from the year before.

Source: Cherokee County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cherokee County
Unified School District	Rusk Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,728.00 (+150.8%)	$135,870 (-3.47%) Land $2,840 Building $133,030	$135,870 (-3.47%) Land $2,840 Building $133,030
2025	$689.00	$140,750 Land $2,840 Building $137,910	$140,750 Land $2,840 Building $137,910
2023		$140,750 Land $2,840 Building $137,910	$140,750 Land $2,840 Building $137,910
2022	$1,070.00

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

Flood

FEMA maps place 199 Earl St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2021

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 199 Earl St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.09% 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 RUSK serves 5,602 people · EPA ID TX0370003
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (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	9 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
CCECA Broadband Fiber	2,000 / 2,000
Optimum Cable	500 / 20
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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