Kaufman County property record for 304 W Cottage St, Terrell, TX 75160
| Property Type | Duplex |
|---|---|
| Details | 2,304 sqft · built 1986 |
| Lot Size | 0.179 acres (7,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,150 (Apr 2026) |
| Tax Bill | $6,457 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S3720122000 |
| Primary APN | S3720122000 |
|---|---|
| Alternative APNs |
|
| Units | 3 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 2,304 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,776 sqft (0.179 acres) |
| Lot Depth | 108 ft Depth |
| Cooling System | Window A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 304 W COTTAGE ST |
|---|---|
| City | TERRELL |
| State | TX |
| Zip | 75160-3603 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | TERRELL REVISED, BLOCK 247, LOT 5B & 6B; & DUPLEX |
| Legal Subdivision | TERRELL REVISED |
| Legal Block | 247 |
| Legal Lot Number | 5B,6B |
| Jurisdiction | KAUFMAN TX |
| Township / Civil Division | TERRELL |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 50500 |
304 W Cottage St, a duplex, is owned by two individuals who bought it in April 2026.
Source: Kaufman County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3624 CARRIAGE AVE, MESQUITE, TX 75181-4322 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on File |
| Deed Sale | Apr 21, 2026 · Amount on File |
| Deed Document Number | 202611595 |
| Deed Book / Page | 9406 / 159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KAUFMAN TX |
| Recording Date | Apr 21, 2026 |
| Property Address | 304 W COTTAGE ST, TERRELL, TX 75160-3603 |
| Document Number | 0000011595 |
| Book / Page | 9406 / 159 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.11595 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | COMMUNITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3624 CARRIAGE AVE, MESQUITE, TX 75181-4322 |
| Investor | Possibly a Property Investor |
| Document Number | 0000011596, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 2026..11596 |
| Name | TEXAS BAY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Kaufman County assessment roll, as of August 6, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Kaufman County |
| Municipality | Terrell City |
| Unified School District | Terrell Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $266,260 Land $49,067 Building $217,193 | $266,260 Land $49,067 Building $217,193 | |
| 2024 | $6,457.00 (+9.68%) | ||
| 2023 | $5,887.00 (+26.14%) | $250,000 Land $58,320 Building $191,680 | $250,000 Land $58,320 Building $191,680 |
| 2022 | $4,667.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 W Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 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 |
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 risk around 304 W Cottage St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF TERRELL serves 18,432 people · EPA ID TX1290006 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD WYLIE WTP |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| Wi-Five Broadband Fixed Wireless | 100 / 100 |
May also be available: ANTS Technology, Element8, Nextlink, T-Mobile, Verizon.
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