2176 Spencer Ln, Carrollton, TX 75010 Property Records

Denton County property record for 2176 Spencer Ln, Carrollton, TX 75010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,101 sqft · built 2019
Lot Size	0.181 acres (7,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Jan 2026)
Tax Bill	$10,981 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R731077`

Property Details

APN / Parcel Number

Primary APN	`R731077`
Alternative APNs	`SL9694A-000000A-0000-0032-0000` `SL9694A-000000A-0000-0032` `1044476`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,101 sqft Living Area
Gross Area	3,526 sqft
1st Floor Area	1,500 sqft
2nd Floor Area	1,601 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.181 acres)
Garage Type	Attached
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2176 SPENCER LN
City	CARROLLTON
State	TX
Zip	75010-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE RIDGE BLK A LOT 32
Legal Subdivision	SADDLE RIDGE
Legal Block	A
Legal Lot Number	32
Jurisdiction	DENTON TX
Township / Civil Division	CARROLLTON
Census Block Group	2
Census Block	2020
Census Tract	21651

Owner

Source: Denton County records, as of September 14, 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	2176 SPENCER LN, CARROLLTON, TX 75010-4338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMELIGHT HOME LOANS INC
Jan 5, 2026	Vendor's Lien, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Dec 3, 2019	Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage BROOKHOLLOW MORTGAGE SERVICES LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	Dec 3, 2019 · Amount on Record
Deed Document Number	2026816
Prior Transfer Date	Nov 22, 2019
Prior Transfer Doc	0000153162
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	2176 SPENCER LN, CARROLLTON, TX 75010-4338
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090105
Date	Aug 13, 2025
Instrument	2025-090105

Lender

Name	HOMELIGHT HOME LOANS INC
Type	Mortgage Company
Address	1375 N SCOTTSDALE RD STE 125, SCOTTSDALE, AZ 85257

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Dec 11, 2025

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Jan 5, 2026
Property Address	2176 SPENCER LN, CARROLLTON, TX 75010-4338
Document Number	0000000816
Map Reference	CC 2018-172
Instrument Date	Dec 30, 2025
Instrument	816
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	REPUBLIC TITLE COMPANY, RTT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2176 SPENCER LN, CARROLLTON, TX 75010-4338

Mortgage

Document Number	0000000817
Date	Jan 5, 2026
Instrument	817

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

December 2019: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Dec 3, 2019
Property Address	2176 SPENCER LN, CARROLLTON, TX 75010-4338
Document Number	0000153162
Map Reference	FILE 2018-172
Instrument Date	Nov 22, 2019
Instrument	2019-153162
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 11, 2021
Title Company	EMPIRE TITLE CO LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15725 DALLAS PKWY STE 300, 15725, ADDISON, TX 75001-3850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2176 SPENCER LN, CARROLLTON, TX 75010-4338

Mortgage

Document Number	0000153163
Date	Dec 3, 2019
Instrument	2019-153163

Lender

Name	BROOKHOLLOW MORTGAGE SERVICES LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Denton County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Denton County
Municipality	Carrollton City
Unified School District	Lewisville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$635,000 (-12.38%) Land $150,681 Building $484,319	$635,000 (-12.95%) Land $150,681 Building $484,319
2025	$10,981.00 (+6.98%) Homeowner's exemption	$724,729 (+8.82%) Land $150,681 Building $578,764	$729,445 (+9.53%) Land $150,681 Building $578,764
2024	$10,265.00 (+9.9%)
2023	$9,340.00 (-4.76%) Homeowner's exemption	$666,000 Land $142,987 Building $523,013	$666,000 Land $142,987 Building $523,013
2022	$9,807.00

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 4, 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	6 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

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF CARROLLTON serves 136,170 people · EPA ID TX0570034
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Feb 2024
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	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 646 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Astound Broadband, Frontier.

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