401 Garden Tree Trl, Midlothian, TX 76065 Property Records

Ellis County property record for 401 Garden Tree Trl, Midlothian, TX 76065

Property Summary

Property Type	Single Family Home
Details	4,134 sqft · built 2015
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on File
Last Sale	$407,900 (Oct 2019)
Tax Bill	$5,469 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R263705`

Property Details

APN / Parcel Number

Primary APN	`R263705`
Alternative APNs	`54850000301100108` `263705`

Interior

Stories	2 Stories
Building Area	4,134 sqft Living Area
Gross Area	4,726 sqft
1st Floor Area	2,323 sqft
2nd Floor Area	1,811 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,278 sqft (0.213 acres)
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	241 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 GARDEN TREE TRL
City	MIDLOTHIAN
State	TX
Zip	76065-2045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 3 THE GROVE PH 1 0.213 AC
Legal Subdivision	THE GROVE PH 1
Legal Block	3
Legal Lot Number	11
Jurisdiction	ELLIS TX
Township / Civil Division	MIDLOTHIAN
Census Block Group	1
Census Block	1005
Census Tract	60702

Owner

401 Garden Tree Trl is owned and occupied by two individuals who bought it in October 2019.

Source: Ellis County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
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
Jul 7, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 3, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 5, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 28, 2019	Grant Deed, Transfer · FHA Mortgage AMERICAN FIN'L NTWK INC
Jan 13, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Deed Document Number	201932384
Prior Transfer Date	Oct 22, 2019
Prior Transfer Doc	0000032384
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Recording Date	Jul 7, 2026
Property Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
Document Number	0000024114
Instrument Date	Jun 10, 2026
Instrument	202624114
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045

Mortgage

Document Number	0000024114,
Date	Jul 7, 2026
Instrument	202624114

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	280 Months
Due	Nov 1, 2049

Interest

Rate	6.36%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
Transaction Type	Mortgage
Record Updated	May 13, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045

Mortgage

Document Number	0002218299
Date	May 3, 2022
Instrument	2218299

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Nov 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045

Mortgage

Document Number	2113717
Date	Apr 5, 2021
Instrument	2113717

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Nov 1, 2049

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELLIS TX
Recording Date	Oct 28, 2019
Property Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
Document Number	0000032384
Instrument Date	Oct 22, 2019
Instrument	32384
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 GARDEN TREE TRL MIDLOTHIAN TX 760652045, MIDLOTHIAN, TX 76065-2045

Mortgage

Document Number	32385
Date	Oct 28, 2019
Instrument	32385

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Jan 13, 2017
Property Address	401 GARDEN TREE TRL, MIDLOTHIAN, TX 76065-2045
Document Number	0000001292
Instrument Date	Dec 15, 2016
Instrument	1292
Transaction Type	Transfer
Record Updated	Jan 31, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2727 ROUTH ST DALLAS TX 752011977, DALLAS, TX 75201-1977

Tax Assessment & Valuation

The 2025 property tax bill for 401 Garden Tree Trl was $5,469 with exemptions applied, down 14% from the year before.

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$576,364 (-0.27%) Land $121,000 Building $455,364	$576,364 (-0.27%) Land $121,000 Building $455,364
2025	$5,469.00 (-13.98%) Homeowner's exemption Senior Citizen's exemption	$577,903 Land $121,000 Building $456,903	$577,903 Land $121,000 Building $456,903
2024	$6,358.00 (-5.44%)
2023	$6,724.00 Homeowner's exemption Senior Citizen's exemption	$611,001 Land $121,000 Building $490,001	$611,001 Land $121,000 Building $490,001
2018	$10,477.00

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

Flood

FEMA maps place 401 Garden Tree Trl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.

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	8 in force
Nearby Flood Claims	3 (2015–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · rainfall accumulation

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 401 Garden Tree Trl is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Nextlink Fixed Wireless	500 / 100
Element8 Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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