3893 FM 815, Leonard, TX 75452 Property Records

Fannin County property record for 3893 FM 815, Leonard, TX 75452

Property Summary

Property Type	Rural Home
Details	2.5 ba · 2,530 sqft · built 2018
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$159,400 (Sep 2017)
Tax Bill	$8,905 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0165-001-0020-07`

Property Details

APN / Parcel Number

Primary APN	`0165-001-0020-07`
Alternative APN	`71861`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,530 sqft Living Area
1st Floor Area	2,648 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Lot Area	871,200 sqft (20 acres)
Garage Type	Attached
Garage Area	537 sqft
Porch	Porch
Porch Area	609 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	0165-001-0020-07
Street Address	3893 FM 815
City	LEONARD
State	TX
Zip	75452-4251
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0165 M BRALEY, ACRES 20.0
Jurisdiction	FANNIN TX
Township / Civil Division	LEONARD
Census Block Group	2
Census Block	2097
Census Tract	950702

Owner

3893 FM 815, a rural home, is owned and occupied by two individuals who bought it in September 2017.

Source: Fannin County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3893 FM 815, LEONARD, TX 75452-4251
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
Mar 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RANDOLPH BROOKS FCU
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage SEMPER HOME LOANS INC
Dec 27, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
Feb 15, 2019	Deed of Trust, Mortgage · VA Mortgage TITUS38 LLC
Sep 18, 2017	Vendor's Lien, Transfer FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2017 · Amount on File
Deed Sale	Sep 18, 2017 · Amount on File
Deed Document Number	20175347
Deed Book / Page	1986 / 320
Prior Transfer Date	Sep 12, 2017
Prior Transfer Doc	1986/0320
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	3893 FM 815, LEONARD, TX 75452-4251
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026001457
Date	Mar 11, 2026
Instrument	2026001457

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Address	UNIVERSAL CITY, TX 78148

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	3893 FM 815, LEONARD, TX 75452-4251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002066
Date	Apr 14, 2020
Instrument	2020002066

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company
Address	PROVIDENCE, RI 02907

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	3893 FM 815, LEONARD, TX 75452-4251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/0251
Date	Dec 27, 2017
Book Page	2009/0251
Instrument	2017-7262

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 18, 2018

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	3893 FM 815, LEONARD, TX 75452-4251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2110/0001
Date	Feb 15, 2019
Book Page	2110/0001
Instrument	2019-0878

Lender

Name	TITUS38 LLC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

September 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Sep 18, 2017
Property Address	3893 FM 815, LEONARD, TX 75452-4251
Document Number	1986/0320
Book / Page	1986 / 0320
Instrument Date	Sep 12, 2017
Instrument	2017-5347
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	REPUBLIC TITLE COMPANY, REPUBLIC TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13370 SW WHITMORE RD, HILLSBORO, OR 97123-9089

Mortgage

Document Number	20175348
Date	Sep 18, 2017
Instrument	2017-5348

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 12, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 3893 FM 815 was $8,905 with a homeowner's exemption, up 25.1% from the year before.

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Unified School District	Trenton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,905.00 (+25.12%) Homeowner's exemption	$1,026,460 Land $510,000 Building $516,460	$1,026,460 Land $510,000 Building $516,460
2024	$7,117.00
2023		$464,790	$842,380 Land $400,000 Building $442,380
2018	$1,283.00

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

Flood

FEMA maps place 3893 FM 815 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 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

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

Wildfire risk around 3893 FM 815 is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 62% of Texas
Wildfire Likelihood	0.1% 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	WEST LEONARD WSC serves 2,733 people · EPA ID TX0740034
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	60 / 6
Verizon Fixed Wireless	25 / 6

May also be available: Nextlink.

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