321 Cole Rd, Red Oak, TX 75154 Property Records

Ellis County property record for 321 Cole Rd, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 1973
Lot Size	0.856 acres (37,287 sqft)
Owner	2 Individual Names on Record
Tax Bill	$684 (2025)
Deeds & Mortgages	Oct 2019 Construction Loan Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R282954`

Property Details

APN / Parcel Number

Primary APN	`R282954`
Alternative APNs	`99063000000700111` `00338090100200111` `282954`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,532 sqft
1st Floor Area	1,784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,287 sqft (0.856 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	321 COLE RD
City	RED OAK
State	TX
Zip	75154-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK A DICKERSON ADDN .856 AC
Legal Subdivision	DICKERSON ADDN
Legal Block	A
Legal Lot Number	2
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	4
Census Block	4001
Census Tract	60207

Owner

Source: Ellis County records, as of August 19, 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 Record
Mailing Address	PO BOX 1143, RED OAK, TX 75154-1143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS NAT'L BK/TX
Jan 9, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ELLIS TX
Recording Date	Oct 23, 2019
Property Address	321 COLE RD, RED OAK, TX 75154-4705
Instrument Date	Oct 21, 2019
Instrument	32029
Transaction Type	Construction Loan
Record Updated	Nov 13, 2019
Title Company	TOWN SQUARE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1302 RED OAK TX 751541302, RED OAK, TX 75154-1302

Mortgage

Document Number	0000032029
Date	Oct 23, 2019
Instrument	32029

Lender

Name	CITIZENS NAT'L BK/TX
Type	Bank
Address	WAXAHACHIE, TX 75168

Agreement

Type	Construction Mortgage

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELLIS TX
Recording Date	Jan 9, 2019
Property Address	321 COLE RD, RED OAK, TX 75154-4705
Document Number	0000000699
Instrument Date	Jan 8, 2019
Instrument	699
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1302 RED OAK TX 751541302, RED OAK, TX 75154-1302

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,247 (+1%)	$335,737 (-3.46%) Land $108,000 Building $227,737
2025	$684.00 (+4.11%) Homeowner's exemption Senior Citizen's exemption	$292,952 (-21.04%) Land $108,000 Building $239,756	$347,756 (-6.26%) Land $108,000 Building $239,756
2024	$657.00 (+3.79%)
2023	$633.00 Homeowner's exemption Senior Citizen's exemption	$370,997 Land $85,000 Building $285,997	$370,997 Land $85,000 Building $285,997

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 9, 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	8 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2022 · river or lake flooding

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 97% of the US · lower than 98.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROCKETT SUD serves 46,614 people · EPA ID TX0700033
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 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	4 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 406 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
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Rise Broadband Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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