404 Sandy Rdg, Texarkana, TX 75501 Property Records

Bowie County property record for 404 Sandy Rdg, Texarkana, TX 75501

Property Summary

Property Type	Single Family Home
Details	2,279 sqft · built 2022
Lot Size	3.88 acres (169,100 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20785001300`

Property Details

APN / Parcel Number

Primary APN	`20785001300`
Alternative APN	`94883`

Interior

Building Area	2,279 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	169,100 sqft (3.88 acres)

Location & Zoning

Account Number	20785001300
Street Address	404 SANDY RDG
City	TEXARKANA
State	TX
Zip	75501-0091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDY RIDGE SUBDIVISION 2019-3001 03/26/19 BLK/TRACT 13 3.882 ACRES
Legal Subdivision	SANDY RIDGE SUBDIVISION
Legal Block	13
Jurisdiction	BOWIE TX
Township / Civil Division	MAUD-REDWATER
Census Block Group	3
Census Block	3004
Census Tract	11404

Owner

Source: Bowie County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	404 SANDY RDG, TEXARKANA, TX 75501-0091
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · ARM RED RIVER EMPLOYEES FCU
Nov 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage RED RIVER EMPLOYEES FCU
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Dec 8, 2022	Deed of Trust, Mortgage RED RIVER EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	404 SANDY RDG, TEXARKANA, TX 75501-0091
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202600001457
Date	Feb 17, 2026
Instrument	2026-00001457

Lender

Name	RED RIVER EMPLOYEES FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	2
Max Rate	9.5%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	404 SANDY RDG, TEXARKANA, TX 75501-0091
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500011157
Date	Nov 12, 2025
Instrument	2025-00011157

Lender

Name	RED RIVER EMPLOYEES FCU
Type	Credit Union
Address	TEXARKANA, TX 75501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	404 SANDY RDG, TEXARKANA, TX 75501-0091
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5702 SUMMERWOOD LN, TEXARKANA, AR 71854-9485

Mortgage

Document Number	202200009700
Date	Aug 15, 2022
Instrument	2022-00009700

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	TEXARKANA, TX 75503

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Feb 25, 2023

Interest

Rate Type	Fixed Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOWIE TX
Property Address	404 SANDY RDG, TEXARKANA, TX 75501-0091
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200014045
Date	Dec 8, 2022
Instrument	2022-00014045

Lender

Name	RED RIVER EMPLOYEES FCU
Type	Credit Union
Address	TEXARKANA, TX 75501

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

Source: Bowie County assessment roll, as of May 26, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Bowie County
Unified School District	Redwater Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,726.00 (-3.51%) Homeowner's exemption	$433,778 (+8.32%) Land $29,115 Building $404,663	$433,778 (-) Land $29,115 Building $404,663
2024	$4,898.00 (+6.46%)		$433,778 (+8.32%) Land $29,115 Building $404,663
2023	$4,601.00 (+809.29%) Homeowner's exemption	$400,454 Land $29,115 Building $371,339	$400,454 Land $29,115 Building $371,339
2021	$506.00

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 November 1, 2023

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 58% of the US · lower than 60% of Texas
Wildfire Likelihood	0.1% 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 REDWATER serves 4,356 people · EPA ID TX0190008
Water Source	Purchased surface water from TEXARKANA WATER UTILITIES
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2021) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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