Ellis County property record for 406 Lily Trl, Red Oak, TX 75154
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,183 sqft · built 2020 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $383,293 (Aug 2023) |
| Tax Bill | $6,126 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R277711 |
| Primary APN | R277711 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,183 sqft Living Area |
| Gross Area | 2,703 sqft |
| 1st Floor Area | 2,183 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 406 LILY TRL |
|---|---|
| City | RED OAK |
| State | TX |
| Zip | 75154-8941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 BLK Q HARMONY PH 4 .1515 AC |
| Legal Subdivision | HARMONY PH 4 |
| Legal Block | Q |
| Legal Lot Number | 12 |
| Jurisdiction | ELLIS TX |
| Township / Civil Division | WAXAHACHIE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 60216 |
406 Lily Trl is owned and occupied by an individual who bought it in August 2023.
Source: Ellis County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2025 | Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSOCIATION |
| Aug 4, 2023 | Vendor's Lien, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Jul 8, 2020 | Grant Deed, Subdivision Related Transfer OTHER |
| Mar 13, 2020 | Deed of Trust, Mortgage · Line of Credit LEGACY BK/TX |
| Jan 13, 2020 | Grant Deed, Transfer · Line of Credit INDEPENDENT BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2023 · Amount on File |
| Deed Sale | Aug 4, 2023 · Amount on File |
| Prior Sale | Jul 8, 2020 |
| Deed Document Number | 202322869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Document Number | 0002533588 |
|---|---|
| Date | Oct 7, 2025 |
| Instrument | 2533588 |
| Name | IDAHO HOUSING & FINANCE ASSOCIATION |
|---|---|
| Type | Private Party |
| Address | 565 W MYRTLE ST, BOISE, ID 83702 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Sep 1, 2065 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Aug 4, 2023 |
| Property Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Document Number | 0002322869 |
| Map Reference | CAB J SL 752 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 2322869 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2023 |
| Title Company | REPUBLIC TITLE COMPANY, RTT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2918 MIDBURY DR, LANCASTER, TX 75134-4921 |
| Document Number | 0002322870 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 2322870 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Jul 8, 2020 |
| Property Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Document Number | 0000022581 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 22581 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 406 LILY TRL RED OAK TX 751548941, RED OAK, TX 75154-8941 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Document Number | 0000010282 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5763 S STATE HIGHWAY 205 #100 ROCKWALL TX 750322601, 100, ROCKWALL, TX 75032-2601 |
| Document Number | 0000010282 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 10282 |
| Name | LEGACY BK/TX |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Jan 13, 2020 |
| Property Address | 406 LILY TRL, RED OAK, TX 75154-8941 |
| Document Number | 0000001211 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 1211 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | AMERICAN LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5763 S STATE HIGHWAY 205 #100 ROCKWALL TX 750322601, 100, ROCKWALL, TX 75032-2601 |
| Investor | Possibly a Property Investor |
| Document Number | 1212 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 1212 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Address | 400 N CARROLL BLVD, DENTON, TX 76201-9011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 406 Lily Trl was $6,126 with a homeowner's exemption, down 7.5% from the year before.
Source: Ellis County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $371,980 (-0.9%) Land $60,500 Building $311,480 | $371,980 (-0.9%) Land $60,500 Building $311,480 | |
| 2025 | $6,126.00 (-7.5%) Homeowner's exemption | $375,352 Land $60,500 Building $314,852 | $375,352 Land $60,500 Building $314,852 |
| 2024 | $6,623.00 (+12.9%) | ||
| 2023 | $5,866.00 Homeowner's exemption | $446,774 (+24.93%) Land $60,500 Building $386,274 | $446,774 (+24.93%) Land $60,500 Building $386,274 |
| 2022 | Homeowner's exemption | $357,610 Land $55,000 Building $302,610 | $357,610 Land $55,000 Building $302,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Lily Trl in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 406 Lily Trl is moderate, ranking above 51% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 74% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF RED OAK serves 18,577 people · EPA ID TX0700031 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Element8 Fixed Wireless | 500 / 100 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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