3821 Saddle Crk, Denison, TX 75020 Property Records

Grayson County property record for 3821 Saddle Crk, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	4,278 sqft · built 2022
Lot Size	0.506 acres (22,081 sqft)
Owner	Individual Name on Record
Tax Bill	$23,120 (2024)
Deeds & Mortgages	Nov 2021 Construction Loan Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`076 7904001`

Property Details

APN / Parcel Number

Primary APN	`076 7904001`
Alternative APN	`408163`

Interior

Building Area	4,278 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Lot Area	22,081 sqft (0.506 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	556 sqft

Location & Zoning

Account Number	408163
Street Address	3821 SADDLE CRK
City	DENISON
State	TX
Zip	75020-1992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK ADDITION REPLAT BLK B LT 2 3 4 & 5, BLOCK F, LOT 2R, ACRES 0.5069
Legal Subdivision	SADDLE CREEK ADDITION REPLAT BLK B LT 2
Legal Block	F
Legal Lot Number	2R
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1066
Census Tract	901

Owner

Source: Grayson County records, as of October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3821 SADDLECREEK BLVD, DENISON, TX 75020
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
Aug 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Nov 12, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2024
Deed Sale	Nov 12, 2024
Prior Sale	Sep 8, 2020
Deed Document Number	2024-31004
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	3821 SADDLE CRK, DENISON, TX 75020-1992
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	GRANT COUNTY TITLE, GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 AMISTAD DR, PROSPER, TX 75078-8415

Mortgage

Document Number	0000038586
Date	Nov 10, 2021
Instrument	2021-00038586

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DENISON, TX 75020

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	3821 SADDLE CRK, DENISON, TX 75020-1992
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	GRANT COUNTY TITLE, GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 SADDLE CRK, DENISON, TX 75020-1992

Mortgage

Document Number	0000023135
Date	Aug 31, 2023
Instrument	2023-23135

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Nov 12, 2024
Property Address	3821 SADDLE CRK, DENISON, TX 75020-1992
Document Number	0000031004
Map Reference	DOC 2020-61
Instrument Date	Nov 8, 2024
Instrument	2024-31004
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 SADDLECREEK BLVD, DENISON, TX 75020

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$995,000 (-7.11%) Land $130,940 Building $864,060	$995,000 (-7.11%) Land $130,940 Building $864,060
2024	$23,120.00 (+643.17%)
2023		$1,071,205 Land $130,940 Building $940,265	$1,071,205 Land $130,940 Building $940,265
2022	$3,111.00

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 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	8 (1982–2017)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Aug 2017 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims

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	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TekWav.

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