402 W Main St, Ladonia, TX 75449 Property Records

Fannin County property record for 402 W Main St, Ladonia, TX 75449

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,418 sqft · built 1910
Lot Size	0.329 acres (14,327 sqft)
Owner	Individual Name on Record
Tax Bill	$2,334 (2025)
Deeds & Mortgages	May 2026 Sale Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9055-040-0050-08`

Property Details

APN / Parcel Number

Primary APN	`9055-040-0050-08`
Alternative APN	`89553`

Interior

Full Baths	3 Baths
Building Area	2,418 sqft Living Area
1st Floor Area	1,209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	14,327 sqft (0.329 acres)
Lot Dimensions	172 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	240 sqft
Porch	Porch
Porch Area	572 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	9055-040-0050-08
Street Address	402 W MAIN ST
City	LADONIA
State	TX
Zip	75449-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF LADONIA, BLOCK 40, ACRES .3289
Legal Subdivision	N T MYERS SURVEY ABST NO 722
Legal Block	40
Jurisdiction	FANNIN TX
Township / Civil Division	LADONIA
Census Block Group	3
Census Block	3023
Census Tract	950500

Owner

Source: Fannin County records, as of June 11, 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 W MAIN ST, LADONIA, TX 75449-1330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer ALLIANCE TITLE, ALLEGIANCE TITLE
Jul 10, 2018	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026
Deed Sale	May 29, 2026
Prior Sale	May 24, 2011
Deed Document Number	20263459
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	May 29, 2026
Property Address	402 W MAIN ST, LADONIA, TX 75449-1330
Document Number	0000003459
Instrument Date	May 28, 2026
Instrument	20263459
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ALLIANCE TITLE, ALLEGIANCE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 W MAIN ST, LADONIA, TX 75449-1330

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	402 W MAIN ST, LADONIA, TX 75449-1330
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2056/0052
Date	Jul 10, 2018
Book Page	2056/0052
Instrument	2018-3889

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 22, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Municipality	Ladonia Town
Unified School District	Fannindel Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,334.00 (-17.09%)	$125,790 (-12%) Land $20,060 Building $105,730	$125,790 (-12%) Land $20,060 Building $105,730
2024	$2,815.00 (+48.08%)
2023		$142,940 Land $13,610 Building $129,330	$142,940 Land $13,610 Building $129,330
2018	$1,901.00

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 June 16, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 LADONIA serves 597 people · EPA ID TX0740004
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	60 / 6
Rise Broadband Fixed Wireless	25 / 5

May also be available: AT&T, Zulu Internet.

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