405 N Main St, Leonard, TX 75452 Property Records

Fannin County property record for 405 N Main St, Leonard, TX 75452

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,712 sqft · built 1950
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,103 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9130-003-007A-02`

Property Details

APN / Parcel Number

Primary APN	`9130-003-007A-02`
Alternative APN	`90288`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	100 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	168 sqft
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	9130-003-007A-02
Street Address	405 N MAIN ST
City	LEONARD
State	TX
Zip	75452-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARMELE ADDN, BLOCK 3, LOT 7,8
Legal Subdivision	THE PARMELE ADDITION
Legal Block	3
Legal Lot Number	7,8
Jurisdiction	FANNIN TX
Township / Civil Division	LEONARD
Census Block Group	1
Census Block	1077
Census Tract	950701

Owner

Source: Fannin County records, as of October 9, 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	405 N MAIN ST, DODD CITY, TX 75438-5244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 8, 2021	Warranty Deed, Transfer
Jun 25, 2019	Vendor's Lien, Transfer · Conventional Mortgage NTFN INC
May 7, 2018	Vendor's Lien, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021
Deed Sale	Feb 8, 2021
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	2021959
Prior Transfer Date	Jun 24, 2019
Prior Transfer Doc	2144/0153
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	405 N MAIN ST, LEONARD, TX 75452-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1973/0538
Date	Aug 1, 2017
Book Page	1973/0538
Instrument	2017-4254

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	405 N MAIN ST, LEONARD, TX 75452-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000019
Date	Jan 4, 2021
Instrument	2021000019

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Feb 8, 2021
Property Address	405 N MAIN ST, LEONARD, TX 75452-2521
Document Number	2021000959
Instrument Date	Jan 28, 2021
Instrument	2021000959
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N MAIN ST, DODD CITY, TX 75438-5244
Investor	Possibly a Property Investor

June 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	Jun 25, 2019
Property Address	405 N MAIN ST, LEONARD, TX 75452-2521
Document Number	2144/0153
Book / Page	2144 / 0153
Map Reference	VOL 10 PG 525
Instrument Date	Jun 24, 2019
Instrument	2019-3733
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N MAIN ST, LEONARD, TX 75452-2521

Mortgage

Document Number	20193734
Date	Jun 25, 2019
Instrument	2019-3734

Lender

Name	NTFN INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	FANNIN TX
Recording Date	May 7, 2018
Property Address	405 N MAIN ST, LEONARD, TX 75452-2521
Document Number	2040/0388
Book / Page	2040 / 0388
Map Reference	VOL 10 PG 525
Instrument Date	May 4, 2018
Instrument	2018-2634
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	NOT AVAILABLE, FCTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N MAIN ST, LEONARD, TX 75452-2521

Mortgage

Document Number	20182635
Date	May 7, 2018
Instrument	2018-2635

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Municipality	Leonard City
Unified School District	Leonard Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,103.00 (+65.64%) Homeowner's exemption	$196,580 (-21.55%) Land $70,700 Building $125,880	$196,580 (-21.55%) Land $70,700 Building $125,880
2024	$2,477.00 (+10.68%)
2023		$250,590 Land $78,400 Building $172,190	$250,590 Land $78,400 Building $172,190
2018	$2,238.00

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 · 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	5 in force
Nearby Flood Claims	10 (2015–2020)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Mar 2020 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2018 · 4 claims

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	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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	CITY OF LEONARD serves 2,691 people · EPA ID TX0740005
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (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	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. 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	100 / 20

May also be available: Nextlink.

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