3123 Frances Dr, Denison, TX 75020 Property Records

Grayson County property record for 3123 Frances Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,901 sqft · built 1970
Lot Size	0.206 acres (8,999 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,575 (2024)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`D048 3082015`

Property Details

APN / Parcel Number

Primary APN	`D048 3082015`
Alternative APN	`151019`

Interior

Building Area	1,901 sqft Living Area
Gross Area	2,141 sqft
1st Floor Area	1,901 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1990
Lot Area	8,999 sqft (0.206 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	676 sqft
Utility Building	64 sqft

Location & Zoning

Account Number	151019
Old Parcel Number	D048 3082015
Street Address	3123 FRANCES DR
City	DENISON
State	TX
Zip	75020-7307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND PARK ESTATE SEC 1, BLOCK 6, LOT 2, ACRES .2066
Legal Subdivision	HIGHLAND PARK ESTATE SEC 1
Legal Block	6
Legal Lot Number	2
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1021
Census Tract	901

Owner

3123 Frances Dr is owned and occupied by two individuals who acquired it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3123 FRANCES DR, DENISON, TX 75020-7307
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
Sep 28, 2018	Warranty Deed, Transfer NTFN
Jun 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018
Deed Sale	Sep 28, 2018
Prior Sale	Jun 25, 2018
Deed Document Number	2018-00022161
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Sep 28, 2018
Property Address	3123 FRANCES DR, DENISON, TX 75020-7307
Document Number	0000022161
Instrument Date	Sep 26, 2018
Instrument	22161
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3123 FRANCES DR DENISON TX 750207307, DENISON, TX 75020-7307

Mortgage

Document Number	22162
Date	Sep 28, 2018
Instrument	22162

Lender

Name	NTFN
Address	LEWISVILLE, TX 75067

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 27, 2033

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAYSON TX
Recording Date	Jun 25, 2018
Property Address	3123 FRANCES DR, DENISON, TX 75020-7307
Document Number	0000014176
Instrument Date	Jun 15, 2018
Instrument	14176
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 FRANCES DR DENISON TX 750207307, DENISON, TX 75020-7307

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		$204,159 Land $73,260 Building $138,990	$212,250 Land $73,260 Building $138,990
2024	$1,575.00
2023		$189,120 Land $44,370 Building $144,750	$189,120 Land $44,370 Building $144,750
2022	$2,602.00

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

Flood

FEMA maps place 3123 Frances Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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	6 in force
Nearby Flood Claims	8 (1982–2017)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Aug 2017 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 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

Wildfire risk around 3123 Frances Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.06% 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

May also be available: Nextlink, TekWav.

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