3609 Arroyo Trl, Denton, TX 76208 Property Records

Denton County property record for 3609 Arroyo Trl, Denton, TX 76208

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,985 sqft · built 2020
Lot Size	0.162 acres (7,055 sqft)
Owner	2 Individual Names on File
Last Sale	$394,900 (Oct 2020)
Tax Bill	$4,807 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R718303`

Property Details

APN / Parcel Number

Primary APN	`R718303`
Alternative APNs	`SD4635A-000000E-0000-0015-0000` `504073`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	2 Stories
Building Area	2,985 sqft Living Area
Gross Area	3,420 sqft
1st Floor Area	1,734 sqft
2nd Floor Area	1,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,055 sqft (0.162 acres)
Garage Type	Attached
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3609 ARROYO TRL
City	DENTON
State	TX
Zip	76208-6229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES OF CARMEL PHASE 4B BLK E LOT 15
Legal Subdivision	VILLAGES OF CARMEL PHASE 4B
Legal Block	E
Legal Lot Number	15
Jurisdiction	DENTON TX
Township / Civil Division	LEWISVILLE-FLOWER MOUND
Census Block Group	5
Census Block	5021
Census Tract	21415

Owner

3609 Arroyo Trl is owned and occupied by two individuals who bought it in October 2020.

Source: Denton County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3609 ARROYO TRL, DENTON, TX 76208-6229
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
Oct 16, 2020	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 18, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK
Apr 18, 2019	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Deed Document Number	2020166119
Record Updated	Oct 29, 2026

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Oct 16, 2020
Property Address	3609 ARROYO TRL, DENTON, TX 76208-6229
Document Number	0000166119
Map Reference	FILE 2017-426
Instrument Date	Oct 16, 2020
Instrument	2020-166119
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	STEWART

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1038 TEXAN TRL, 1038, GRAPEVINE, TX 76051-3711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 ARROYO TRL, DENTON, TX 76208-6229

Mortgage

Document Number	0000166120
Date	Oct 16, 2020
Instrument	2020-166120

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DENTON TX
Recording Date	Apr 18, 2019
Property Address	3609 ARROYO TRL, DENTON, TX 76208-6229
Instrument Date	Apr 18, 2019
Instrument	42737
Transaction Type	Mortgage
Record Updated	May 27, 2019
Title Company	SEWELL TITLE COMPANY, SEWELL TITLE CO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1038 TEXAN TRL GRAPEVINE TX 760513703, GRAPEVINE, TX 76051-3703
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042737
Date	Apr 18, 2019
Instrument	42737

Lender

Name	REGIONS BK
Type	Bank
Address	1717 MCKINNEY AVE # 1200, DALLAS, TX 75202-1237

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DENTON TX
Recording Date	Apr 18, 2019
Property Address	3609 ARROYO TRL, DENTON, TX 76208-6229
Document Number	0000042736
Instrument Date	Apr 18, 2019
Instrument	42736
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1038 TEXAS TRL GRAPEVINE TX 76051, GRAPEVINE, TX 76051
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Arroyo Trl was $4,807 with exemptions applied.

Source: Denton County assessment roll, as of September 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$448,846 Land $90,381 Building $358,465	$448,846 Land $90,381 Building $358,465
2025	$4,807.00
2023	$5,921.00 (-20.99%) Homeowner's exemption Senior Citizen's exemption	$490,251 Land $90,381 Building $399,870	$490,251 Land $90,381 Building $399,870
2022	$7,494.00

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

Flood

FEMA maps place 3609 Arroyo Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 3609 Arroyo Trl is low, with a 0.02% 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	0.02% 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	CITY OF DENTON serves 150,037 people · EPA ID TX0610002
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 810 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ElektraFi, Nextlink, T-Mobile.

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