401 Rugged Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 401 Rugged Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1994
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$436,890 (Sep 2026)
Tax Bill	$3,528 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R187830`

Property Details

APN / Parcel Number

Primary APN	`R187830`
Alternative APNs	`72070100000200111` `187830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,688 sqft Living Area
Gross Area	2,676 sqft
1st Floor Area	1,688 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Attached
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	235 sqft
Patio Area	240 sqft
Storage Building	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 RUGGED DR
City	RED OAK
State	TX
Zip	75154-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	701 WM MORGAN 2.5 ACRES
Legal Subdivision	WM MORGAN
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	1
Census Block	1004
Census Tract	60103

Owner

Source: Ellis County records, as of October 13, 2026

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
Mailing Address	401 RUGGED DR, RED OAK, TX 75154-3015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed, Transfer · Conventional Mortgage OCMBC INC
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 5, 2018	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Deed Document Number	202633310
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ELLIS TX
Recording Date	Sep 14, 2026
Property Address	401 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000033310
Instrument Date	Sep 14, 2026
Instrument	202633310
Transaction Type	Transfer
Record Updated	Oct 23, 2026
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
Address	401 RUGGED DR, RED OAK, TX 75154-3015

Mortgage

Document Number	0000033311,
Date	Sep 14, 2026
Instrument	202633311

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	401 RUGGED DR, RED OAK, TX 75154-3015
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RUGGED DR, RED OAK, TX 75154-3015

Mortgage

Document Number	0002605757
Date	Feb 20, 2026
Instrument	2605757

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	401 RUGGED DR, RED OAK, TX 75154-3015
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002207086
Date	Feb 22, 2022
Instrument	2207086

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	401 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000033063
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	0000033063
Date	Nov 14, 2018
Instrument	33063

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 13, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$415,592 (+1%)	$465,594 (-5.97%) Land $190,000 Building $275,594
2025	$3,528.00 (-23.02%) Homeowner's exemption Senior Citizen's exemption	$377,811 (-19.84%)	$495,134 (+5.05%) Land $190,000 Building $305,134
2024	$4,583.00
2023	$4,583.00 (-2.14%) Homeowner's exemption Senior Citizen's exemption	$471,333 Land $190,000 Building $281,333	$471,333 Land $190,000 Building $281,333
2018	$4,683.00

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 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	4 in force
Nearby Flood Claims	3 (2018–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2022 · 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

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.07% 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	ROCKETT SUD serves 46,614 people · EPA ID TX0700033
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 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	4 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Rise Broadband.

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