Ellis County property record for 3450 Charing Cross Rd, Midlothian, TX 76065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,781 sqft · built 2003 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,320 (Jan 2023) |
| Tax Bill | $4,013 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R225129 |
| Primary APN | R225129 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,781 sqft Living Area |
| Gross Area | 2,393 sqft |
| 1st Floor Area | 1,781 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3450 CHARING CROSS RD |
|---|---|
| City | MIDLOTHIAN |
| State | TX |
| Zip | 76065-8724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13 4 KENSINGTON PARK PH I 0.172 ACRES |
| Legal Subdivision | KENSINGTON PARK PH I |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | ELLIS TX |
| Township / Civil Division | WAXAHACHIE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 60220 |
3450 Charing Cross Rd is owned and occupied by two individuals who bought it in January 2023.
Source: Ellis County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3450 CHARING CROSS RD, MIDLOTHIAN, TX 76065-8724 |
| 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.
| Date | Document |
|---|---|
| Jan 19, 2023 | Vendor's Lien, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 7, 2017 | Deed of Trust, Mortgage SUNTRUST MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2023 · Amount on File |
| Deed Sale | Jan 19, 2023 · Amount on File |
| Prior Sale | Jun 23, 2008 · Amount on File |
| Deed Document Number | 20231784 |
| Prior Transfer Date | Jun 20, 2008 |
| Prior Transfer Doc | 0023941585 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Jan 19, 2023 |
| Property Address | 3450 CHARING CROSS RD, MIDLOTHIAN, TX 76065-8724 |
| Document Number | 0002301784 |
| Map Reference | CAB F SL 78&79 |
| Instrument Date | Jan 17, 2023 |
| Instrument | 2301784 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3450 CHARING CROSS RD, MIDLOTHIAN, TX 76065-8724 |
| Document Number | 0002301785 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2301785 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Number | 0002301786 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 2301786 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 3450 CHARING CROSS RD, MIDLOTHIAN, TX 76065-8724 |
| Document Number | 0000027136 |
| Instrument Date | Sep 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2017 |
| Title Company | BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3450 CHARING CROSS RD MIDLOTHIAN TX 760658724, MIDLOTHIAN, TX 76065-8724 |
| Document Number | 0000027136 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 27136 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 21, 2047 |
The 2025 property tax bill for 3450 Charing Cross Rd was $4,013 with a homeowner's exemption, down 37.7% from the year before.
Source: Ellis County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Municipality | Midlothian City |
| Unified School District | Midlothian Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,259 (-1.64%) Land $80,000 Building $229,259 | $309,259 (-1.64%) Land $80,000 Building $229,259 | |
| 2025 | $4,013.00 (-37.72%) Homeowner's exemption | $314,428 Land $80,000 Building $234,428 | $314,428 Land $80,000 Building $234,428 |
| 2024 | $6,443.00 (+108.65%) | ||
| 2023 | $3,088.00 Homeowner's exemption | $369,860 Land $70,000 Building $299,860 | $369,860 Land $70,000 Building $299,860 |
| 2018 | $4,021.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3450 Charing Cross Rd in Zone X, an area of minimal flood risk.
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 | 1 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 3450 Charing Cross Rd 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 | Indirect within 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 MIDLOTHIAN serves 27,699 people · EPA ID TX0700005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Chlorite resolved · Nov 2017 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 456 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 |
| Nextlink Fixed Wireless | 500 / 100 |
| Element8 Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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