405 Rugged Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 405 Rugged Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,336 sqft · built 2017
Lot Size	1.07 acres (46,696 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,400 (Apr 2020)
Tax Bill	$12,430 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R231503`

Property Details

APN / Parcel Number

Primary APN	`R231503`
Alternative APNs	`72473790101400111` `231503`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,336 sqft Living Area
Gross Area	4,158 sqft
1st Floor Area	3,336 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	46,696 sqft
Garage Type	Attached
Garage Area	579 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	243 sqft
Patio Area	529 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 RUGGED DR
City	RED OAK
State	TX
Zip	75154-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLK A HIDDEN CREEK PH II 1.072 AC
Legal Subdivision	HIDDEN CREEK PH II
Legal Block	A
Legal Lot Number	14
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	405 RUGGED DR, RED OAK, TX 75154-3015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 21, 2020	Quit Claim Deed, Transfer FIRST MTG SOLUTIONS
Feb 16, 2018	Loan Modification, Mortgage GATEWAY MTG
Feb 22, 2017	Trustee's Deed, Construction Loan · Construction Mortgage GATEWAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Deed Document Number	202012790
Prior Transfer Date	Apr 1, 2020
Prior Transfer Doc	0000012790
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	405 RUGGED DR, RED OAK, TX 75154-3015
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002139128
Date	Sep 3, 2021
Instrument	2139128

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELLIS TX
Recording Date	Apr 21, 2020
Property Address	405 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000012790
Instrument Date	Apr 21, 2020
Instrument	12790
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	12791
Date	Apr 21, 2020
Instrument	12791

Lender

Name	FIRST MTG SOLUTIONS
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELLIS TX
Property Address	405 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000028928
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	0000028928
Date	Oct 4, 2018
Instrument	28928

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ELLIS TX
Recording Date	Feb 22, 2017
Property Address	405 RUGGED DR, RED OAK, TX 75154-3015
Instrument Date	Feb 13, 2017
Instrument	4939
Transaction Type	Construction Loan
Record Updated	Apr 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	807 RACHELLE DR RED OAK TX 751545219, RED OAK, TX 75154-5219

Mortgage

Document Number	0000004939
Date	Feb 22, 2017
Instrument	4939

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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		$747,172 (+8.28%) Land $160,000 Building $587,172	$747,172 (+7.17%) Land $160,000 Building $587,172
2025	$12,430.00 (+5.36%) Homeowner's exemption Additional exemption filed	$690,040 (+19.38%) Land $150,000 Building $547,206	$697,206 (+20.62%) Land $150,000 Building $547,206
2024	$11,798.00 (+11.06%)
2023	$10,623.00 (-6.45%) Homeowner's exemption Additional exemption filed	$578,036 Land $135,000 Building $443,036	$578,036 Land $135,000 Building $443,036
2018	$11,355.00

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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