Panola County property record for 372 Co Rd 120, Carthage, TX 75633
| Property Type | Single Family Home |
|---|---|
| Details | 1,860 sqft · built 2023 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,084 (Feb 2026) |
| Tax Bill | $5,229 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2023 Mortgage |
| APN | 00430-00082-00000-000000 |
| Primary APN | 00430-00082-00000-000000 |
|---|---|
| Alternative APN |
|
| Building Area | 1,860 sqft Total Area |
|---|
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 435,600 sqft (10 acres) |
| Account Number | 00430-00082-00000-000000 |
|---|---|
| Street Address | 372 COUNTY ROAD 120 |
| City | CARTHAGE |
| State | TX |
| Zip | 75633-5428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 82 |
| Legal Description | AB 430 C MCCREARY |
| Jurisdiction | PANOLA TX |
| Township / Civil Division | LONG BRANCH-DOTSON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 950500 |
372 Co Rd 120 is owned and occupied by two individuals who bought it in February 2026.
Source: Panola County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Feb 18, 2026 | Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC |
| Oct 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK OF TEXAS NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2026 · Amount on File |
| Deed Sale | Feb 18, 2026 · Amount on File |
| Prior Sale | May 3, 2022 |
| Deed Document Number | 2026668 |
| Prior Transfer Date | Feb 3, 2026 |
| Prior Transfer Doc | 2026000668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PANOLA TX |
| Recording Date | Feb 18, 2026 |
| Property Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Document Number | 2026000668 |
| Map Reference | VOL 934 PG 250 |
| Instrument Date | Feb 3, 2026 |
| Instrument | 2026-000668 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Name | Verified Name |
|---|---|
| Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Document Number | 2026000669 |
|---|---|
| Date | Feb 18, 2026 |
| Instrument | 2026-000669 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PANOLA TX |
| Property Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Title Company | CARTHAGE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 372 COUNTY ROAD 120, CARTHAGE, TX 75633-5428 |
| Document Number | 0000254352 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 254352 |
| Name | COMMERCIAL BANK OF TEXAS NA |
|---|---|
| Type | Bank |
| Address | NACOGDOCHES, TX 75961 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
The 2026 property tax bill for 372 Co Rd 120 was $5,229 with a homeowner's exemption, down 0.6% from the year before.
Source: Panola County assessment roll, as of February 5, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Panola County |
| Unified School District | Carthage Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,229.00 (-0.59%) Homeowner's exemption | $289,360 (-) Land $3,420 Building $285,940 | $289,360 (-) Land $3,420 Building $285,940 |
| 2025 | $5,260.00 Homeowner's exemption | $289,360 Land $3,420 Building $285,940 | $289,360 Land $3,420 Building $285,940 |
| 2023 | $142,470 Land $55,890 Building $86,580 | $142,470 Land $55,890 Building $86,580 | |
| 2022 | $34.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 372 Co Rd 120.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 372 Co Rd 120 is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 80% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE only, no 5G reported
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