405 W Gandy St, Denison, TX 75020 Property Records

Grayson County property record for 405 W Gandy St, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,363 sqft · built 1920
Lot Size	0.172 acres (7,501 sqft)
Owner	Company Name on File
Last Sale	$175,000 (Aug 2021)
Tax Bill	$2,389 (2024)
Deeds & Mortgages	May 2023 Transfer Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D016 3131346`

Property Details

APN / Parcel Number

Primary APN	`D016 3131346`
Alternative APN	`143035`

Interior

Stories	1 Story
Building Area	1,363 sqft Living Area
1st Floor Area	1,363 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	276 sqft
Utility Building	80 sqft

Location & Zoning

Street Address	405 W GANDY ST
City	DENISON
State	TX
Zip	75020-3154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTP DENISON, BLOCK 35, LOT 15, ACRES .1722
Legal Subdivision	OTP DENISON
Legal Block	35
Legal Lot Number	15
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	2
Census Block	2031
Census Tract	501

Owner

405 W Gandy St is owned by a company that acquired it in May 2023 and is owner-occupied.

Source: Grayson County records, as of August 11, 2025

Owner of Record	Company Name on File
Mailing Address	405 W GANDY ST, DENISON, TX 75020-3154
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Intrafamily Transfer, Transfer
Aug 19, 2021	Vendor's Lien, Transfer · Conventional Mortgage LOAN SIMPLE INC
Jul 29, 2020	Warranty Deed, Transfer RED RIV TITLE COMPANY, RED RIV TITLE CO
Oct 2, 2017	Warranty Deed, Transfer RED RIVER TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Jul 29, 2020
Deed Document Number	202128187
Last Transfer Date	May 8, 2023
Transfer Doc	0000012024
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON TX
Recording Date	May 9, 2023
Property Address	405 W GANDY ST, DENISON, TX 75020-3154
Document Number	0000012024
Map Reference	VOL 28 PG 362
Instrument Date	May 8, 2023
Instrument	2023-12024
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 W GANDY ST, DENISON, TX 75020-3154

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	405 W GANDY ST, DENISON, TX 75020-3154

August 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Aug 19, 2021
Property Address	405 W GANDY ST, DENISON, TX 75020-3154
Document Number	0000028187
Map Reference	VOL 28 PG 362
Instrument Date	Aug 18, 2021
Instrument	2021-00028187
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	RED RIV TITLE COMPANY, RED RIVER 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	405 W GANDY ST, DENISON, TX 75020-3154

Mortgage

Document Number	0000028188
Date	Aug 19, 2021
Instrument	2021-00028188

Lender

Name	LOAN SIMPLE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Jul 29, 2020
Property Address	405 W GANDY ST, DENISON, TX 75020-3154
Document Number	0000019410
Instrument Date	Jul 27, 2020
Instrument	19410
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	RED RIV TITLE COMPANY, RED RIV TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WILLIAM RD BILLERICA MA 018216080, BILLERICA, MA 01821-6080

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Oct 2, 2017
Property Address	405 W GANDY ST, DENISON, TX 75020-3154
Document Number	0000021842
Instrument Date	Sep 29, 2017
Instrument	21842
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	RED RIVER TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2013 S POLARIS ST DENISON TX 750204511, DENISON, TX 75020-4511

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$221,626 Land $52,500 Building $169,126	$221,626 Land $52,500 Building $169,126
2024	$2,389.00
2023		$204,710 Land $51,000 Building $153,710	$204,710 Land $51,000 Building $153,710
2022	$4,206.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 W Gandy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 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

Wildfire risk around 405 W Gandy St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% 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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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	1 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 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Sparklight Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
TekWav Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bluepeak, Nextlink, T-Mobile.

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