402 Lloyds St, Josephine (Royse City), TX 75189 Property Records

Collin County property record for 402 Lloyds St, Josephine, TX 75189

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1981
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$267,760 (Apr 2023)
Tax Bill	$3,464 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-6709-000-0710-1`

Property Details

APN / Parcel Number

Primary APN	`R-6709-000-0710-1`
Alternative APNs	`000001965138` `1965138`

Interior

Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	1,316 sqft
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Lot Area	21,344 sqft (0.49 acres)
Garage Area	500 sqft
Porch	Enclosed Porch
Porch Area	15 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	402 LLOYDS LN
City	JOSEPHINE
State	TX
Zip	75189-3868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABS A0709 JOHN PENNINGTON SURVEY, TRACT 71, .49 ACRES
Legal Subdivision	JOHN PENNINGTON SURVEY
Legal Tract	71
Legal Block	3
Legal Lot Number	71
Jurisdiction	COLLIN TX
Township / Civil Division	NEVADA
Census Block Group	3
Census Block	3035
Census Tract	31201

Owner

402 Lloyds St is owned and occupied by two individuals who bought it in April 2023.

Source: Collin County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 LLOYDS LN, JOSEPHINE, TX 75189-3868
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
Aug 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage BOKF NA
Apr 14, 2023	Vendor's Lien, Transfer SOUTHWEST FUNDING LP
Sep 14, 2021	Vendor's Lien, Transfer · FHA Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Prior Sale	Sep 14, 2021 · Amount on File
Deed Document Number	202340177
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	402 LLOYDS ST, JOSEPHINE, TX 75189-3868
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000968090
Date	Aug 12, 2019
Instrument	20190812000968090

Lender

Name	BOKF NA
Type	Bank
Address	DALLAS, TX 75229

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 14, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Apr 14, 2023
Property Address	402 LLOYDS ST, JOSEPHINE, TX 75189-3868
Document Number	2023000040177
Map Reference	DOC 2021091400187153
Instrument Date	Apr 13, 2023
Instrument	2023000040177
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 LLOYDS ST, JOSEPHINE, TX 75189-3868
Investor	Possibly a Property Investor

Mortgage

Document Number	2023000040178
Date	Apr 14, 2023
Instrument	2023000040178

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Mortgage

Document Number	2023000040179
Date	Apr 14, 2023
Instrument	2023000040179

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Apr 13, 2026

September 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Sep 14, 2021
Property Address	402 LLOYDS ST, JOSEPHINE, TX 75189-3868
Document Number	0001871530
Map Reference	VOL 11
Instrument Date	Sep 3, 2021
Instrument	20210914001871530
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1290, CLINTON, AR 72031-1290

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 LLOYDS LN, JOSEPHINE, TX 75189-3868

Mortgage

Document Number	0001871540
Date	Sep 14, 2021
Instrument	20210914001871540

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 402 Lloyds St was $3,464, down 14.7% from the year before.

Source: Collin County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Collin County
Municipality	Josephine City
Unified School District	Community Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,464.00 (-14.74%)	$181,755 Land $41,650 Building $140,105	$181,755 Land $41,650 Building $140,105
2024	$4,063.00
2023		$211,574 Land $31,850 Building $179,724	$211,574 Land $31,850 Building $179,724
2022	$3,697.00

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

Flood

FEMA maps place 402 Lloyds St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2015–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2016 · 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 402 Lloyds St is moderate, ranking above 50% 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 50% of the US · lower than 75% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF JOSEPHINE serves 9,800 people · EPA ID TX0430036
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fiber · Fixed Wireless	1,000 / 1,000
Optimum Cable · Fiber in parts of the area	940 / 35
Point Broadband Fixed Wireless	100 / 100
Nextlink Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Wi-Five Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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