2433 FM 981, Leonard, TX 75452 Property Records

Fannin County property record for 2433 FM 981, Leonard, TX 75452

Property Summary

Property Type	Single Family Home
Details	2,017 sqft · built 2020
Lot Size	3.17 acres (138,347 sqft)
Owner	Individual Name on File
Tax Bill	$6,810 (2024)
Deeds & Mortgages	Feb 2020 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9-0010-00A-03-LI`

Property Details

APN / Parcel Number

Primary APN	`9-0010-00A-03-LI`
Alternative APN	`125580`

Interior

Building Area	2,017 sqft Living Area

Exterior

Year Built	Built 2020
Lot Area	138,347 sqft (3.17 acres)

Location & Zoning

Account Number	9-0010-00A-03-LI
Street Address	2433 FM 981
City	LEONARD
State	TX
Zip	75452-4960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDING ESTATES, BLOCK A, LOT 3, ACRES 3.176
Legal Subdivision	HARDING ESTATES
Legal Block	A
Legal Lot Number	3
Jurisdiction	FANNIN TX
Township / Civil Division	LEONARD
Census Block Group	1
Census Block	1026
Census Tract	950701

Owner

Source: Fannin County records, as of November 17, 2025

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
Co-owner	Co-owner on File
Mailing Address	2433 FM 981, LEONARD, TX 75452-4960
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 1, 2019	Warranty Deed, Transfer ALLIANCE TITLE, ALLEGIANCE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019
Deed Sale	Aug 1, 2019
Deed Document Number	2019-4613
Deed Book / Page	2155 / 0223
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	2433 FM 981, LEONARD, TX 75452-4960
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000741
Date	Feb 6, 2020
Instrument	2020000741

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	2433 FM 981, LEONARD, TX 75452-4960
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	BONITA TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021003342
Date	May 6, 2021
Instrument	2021003342

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Aug 1, 2019
Property Address	2433 FM 981, LEONARD, TX 75452-4960
Document Number	2155/0223
Book / Page	2155 / 0223
Map Reference	CAB C SL 101
Instrument Date	Jul 29, 2019
Instrument	2019-4613
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ALLIANCE TITLE, ALLEGIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2445 CHAPEL OAKS DR, 2445, MC KINNEY, TX 75071-1485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1919 E MELISSA RD, MELISSA, TX 75454-0010

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Unified School District	Leonard Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$621,970 (+17.19%) Land $190,610 Building $431,360	$621,970 (+17.19%) Land $190,610 Building $431,360
2024	$6,810.00
2023		$530,750 Land $135,130 Building $395,620	$530,750 Land $135,130 Building $395,620

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 June 16, 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	5 in force
Nearby Flood Claims	10 (2015–2020)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Mar 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2018 · 4 claims

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 52% of the US · lower than 72% 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	WEST LEONARD WSC serves 2,733 people · EPA ID TX0740034
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
360 Broadband Fiber · Fixed Wireless in parts of the area	2,000 / 2,000
Rise Broadband Fixed Wireless	300 / 60
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on FM 981

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