402 Rugged Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 402 Rugged Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,648 sqft · built 2007
Lot Size	1.38 acres (60,548 sqft)
Owner	Individual Name on Record
Last Sale	$308,500 (Jan 2018)
Tax Bill	$7,692 (2018)
Deeds & Mortgages	Dec 2022 Transfer Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R231511`

Property Details

APN / Parcel Number

Primary APN	`R231511`
Alternative APNs	`72473790401500111` `231511`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,648 sqft Living Area
Gross Area	4,379 sqft
1st Floor Area	2,130 sqft
2nd Floor Area	1,518 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	60,548 sqft
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	98 sqft
Deck Area	162 sqft
Storage Building	192 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	402 RUGGED DR
City	RED OAK
State	TX
Zip	75154-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLK D HIDDEN CREEK PH II 1.39 AC
Legal Subdivision	HIDDEN CREEK PH II
Legal Block	D
Legal Lot Number	15
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	1
Census Block	1002
Census Tract	60103

Owner

Source: Ellis County records, as of August 19, 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	402 RUGGED DR, RED OAK, TX 75154-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Transfer on Death Deed, Transfer
Sep 11, 2020	Deed of Trust, Mortgage BANKERS INS ACT QUICK BAIL BON
Mar 30, 2020	Warranty Deed, Transfer · VA Mortgage GUILD MTG
Jan 2, 2018	Grant Deed, Transfer · FHA Mortgage PRIME LNDG
May 3, 2017	Grant Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS
Jan 26, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2018 · Amount on Record
Deed Sale	Jan 2, 2018 · Amount on Record
Prior Sale	May 3, 2017 · Amount on Record
Deed Document Number	201878
Last Transfer Date	Dec 15, 2022
Transfer Doc	0000046242
Record Updated	Sep 20, 2026

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ELLIS TX
Recording Date	Dec 16, 2022
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0002246242
Map Reference	CAB G SL 274
Instrument Date	Dec 15, 2022
Instrument	2246242
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 RUGGED DR, RED OAK, TX 75154-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RUGGED DR, RED OAK, TX 75154-3016

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0000044550
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RUGGED DR RED OAK RED OAK TX 75154, RED OAK, TX 75154

Mortgage

Document Number	0000044550
Date	Dec 2, 2020
Instrument	44550

Lender

Name	BANKERS INS ACT QUICK BAIL BON
Address	515 S RIVERFRONT BLVD, DALLAS, TX 75207-4501

Agreement

Amount	Amount Recorded

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Mar 30, 2020
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0000010339
Instrument Date	Mar 27, 2020
Instrument	10339
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RUGGED DR RED OAK TX 751543016, RED OAK, TX 75154-3016

Mortgage

Document Number	10340
Date	Mar 30, 2020
Instrument	10340

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELLIS TX
Recording Date	Jan 2, 2018
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0000000078
Instrument Date	Dec 28, 2017
Instrument	78
Transaction Type	Transfer
Record Updated	Jan 12, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RUGGED DR RED OAK TX 751543016, RED OAK, TX 75154-3016

Mortgage

Document Number	79
Date	Jan 2, 2018
Instrument	79

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

May 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ELLIS TX
Recording Date	May 3, 2017
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0000012105
Instrument Date	Apr 13, 2017
Instrument	12105
Transaction Type	Construction Loan
Record Updated	Aug 20, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	715 VILLA CREEK DR DUNCANVILLE TX 751373830, DUNCANVILLE, TX 75137-3830
Investor	Possibly a Property Investor

Mortgage

Document Number	12106
Date	May 3, 2017
Instrument	12106

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	DALLAS, TX 75238

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 2, 2018

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ELLIS TX
Recording Date	Jan 26, 2017
Property Address	402 RUGGED DR, RED OAK, TX 75154-3016
Document Number	0000002389
Instrument Date	Jan 3, 2017
Instrument	2389
Transaction Type	Foreclosure
Record Updated	Feb 14, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3232 NEWMARK DR MIAMISBURG OH 453425421, MIAMISBURG, OH 45342-5421

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		$734,016 (+2.79%) Land $170,000 Building $564,016	$734,016 (+2.79%) Land $170,000 Building $564,016
2025		$714,062 (+22.11%) Land $165,000 Building $549,062	$714,062 (+22.11%) Land $165,000 Building $549,062
2023		$584,772 Land $145,000 Building $439,772	$584,772 Land $145,000 Building $439,772
2018	$7,692.00

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 47% of the US · lower than 79% 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	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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband.

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