318 Ray Cir, Tom Bean (Whitewright), TX 75491 Property Records

Grayson County property record for 318 Ray Cir, Tom Bean, TX 75491 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,962 sqft · built 1980
Lot Size	1.04 acres (45,694 sqft)
Owner	2 Individual Names on File
Last Sale	$365,832 (Nov 2024)
Tax Bill	$1,766 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Nov 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`230 109601614`

Property Details

APN / Parcel Number

Primary APN	`230 109601614`
Alternative APN	`129459`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,962 sqft Living Area
Gross Area	2,445 sqft
1st Floor Area	1,962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,694 sqft (1.04 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	219 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	318 RAY ST
City	TOM BEAN
State	TX
Zip	75489
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-1096 SHANNON AARON A-G1096, ACRES 1.049
Legal Subdivision	SHANNON AARON A-G1096
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1007
Census Tract	1802

Owner

Source: Grayson County records · APN 230 109601614

Assessment roll updated August 11, 2025 · Last verified August 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 File
Mailing Address	318 RAY ST, TOM BEAN, TX 75489
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Nov 08, 2024	Deed of Trust, Mortgage · Construction Mortgage INDEPENDENT BANK
Nov 08, 2024	Special Warranty Deed, Transfer · Construction Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 08, 2024 · Amount on Record
Deed Sale	Nov 08, 2024 · Amount on Record
Prior Sale	Jul 28, 2023
Deed Document Number	202430750
Prior Transfer Date	Nov 04, 2024
Prior Transfer Doc	0000016898
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	318 RAY CIR, TOM BEAN, TX 75491-3609
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 S COLLEGE BLVD, DENISON, TX 75020-7966

Mortgage

Document Number	0000013881
Date	Jun 02, 2025
Instrument	2025-13881

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	5887 COPLEY DR, SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2055

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	318 RAY CIR, TOM BEAN, TX 75491-3609
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	RED RIV TITLE COMPANY, RED RIVER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 S COLLEGE BLVD, DENISON, TX 75020-7966

Mortgage

Document Number	0000030752
Date	Nov 08, 2024
Instrument	2024-30752

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	7677 HENNEMAN WAY, MCKINNEY, TX 75070

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 04, 2025

November 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Nov 08, 2024
Property Address	318 RAY CIR, TOM BEAN, TX 75491-3609
Document Number	0000030750
Instrument Date	Oct 30, 2024
Instrument	2024-30750
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 812, TOM BEAN, TX 75489-0812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 S COLLEGE BLVD, DENISON, TX 75020-7966

Mortgage

Document Number	0000030751
Date	Nov 08, 2024
Instrument	2024-30751

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	7677 HENNEMAN WAY, MCKINNEY, TX 75070

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Grayson County records · Assessment roll updated August 11, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,766.00 (-7%)	$89,976 (-71.08%) Land $89,104 Building $872	$89,976 (-71.08%) Land $89,104 Building $872
2024	$1,899.00 (+1.61%)
2023		$311,108 Land $96,507 Building $214,601	$311,108 Land $96,507 Building $214,601
2022	$1,869.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grayson County (48181C), updated October 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 26% of Texas
Wildfire Likelihood	About 1 in 1,064 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 62 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Cable	1,000 / 50
Texoma Communications	Fixed Wireless (licensed-by-rule)	499 / 285
JAB Wireless	Fixed Wireless (unlicensed)	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Ray Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures