2812 Ray Dr, Denison, TX 75020 Property Records

Grayson County property record for 2812 Ray Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,732 sqft · built 1971
Lot Size	1.08 acres (47,289 sqft)
Owner	2 Individual Names on Record
Tax Bill	$934 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D006 3174003`

Property Details

APN / Parcel Number

Primary APN	`D006 3174003`
Alternative APN	`140286`

Interior

Building Area	1,732 sqft Living Area
1st Floor Area	1,732 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2002
Lot Area	47,289 sqft (1.08 acres)
Garage Type	Mixed
Garage Area	432 sqft
Carport	Carport
Carport Area	768 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Utility Building	80 sqft

Location & Zoning

Account Number	140286
Old Parcel Number	D006 3174003
Street Address	2812 RAY DR
City	DENISON
State	TX
Zip	75020-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSSWOOD ACRES ADDN, BLOCK 1, LOT 3, 11 & 12 AND PT RECREATION AREA, ACRES 1.0856
Legal Subdivision	RUSSWOOD ACRES ADDN
Legal Block	1
Legal Lot Number	3,11-12 11
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1013
Census Tract	400

Owner

Source: Grayson County records, as of October 20, 2025

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	2812 RAY DR, DENISON, TX 75020-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage ROYAL UNITED MORTGAGE LLC
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 1971
Deed Sale	Aug 6, 1971
Deed Document Number	0001195509
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	2812 RAY DR, DENISON, TX 75020-1237
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000875
Date	Jan 13, 2020
Instrument	2020-00000875

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	2812 RAY DR, DENISON, TX 75020-1237
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012829
Date	Apr 21, 2021
Instrument	2021-00012829

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Denison City
Unified School District	Denison Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$278,467 (-3.41%) Land $154,318 Building $201,365	$355,683 (+23.37%) Land $154,318 Building $201,365
2024	$934.00 (-41.77%)
2023		$288,309 Land $83,712 Building $204,597	$288,309 Land $83,712 Building $204,597
2022	$1,604.00

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 13, 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	3 (2007–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 2 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	Low lower than 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% 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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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	1 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	400 / 100
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, TekWav, Verizon.

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