409 Lloyds St, Josephine (Royse City), TX 75189 Property Records

Collin County property record for 409 Lloyds St, Josephine, TX 75189

Property Summary

Property Type	Single Family Home
Details	1,364 sqft · built 2004
Lot Size	0.637 acres (27,756 sqft)
Owner	2 Individual Names on File
Last Sale	$354,777 (Mar 2022)
Tax Bill	$3,032 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-6709-000-0780-1`

Property Details

APN / Parcel Number

Primary APN	`R-6709-000-0780-1`
Alternative APNs	`000002562371` `2562371`

Interior

Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	1,372 sqft
1st Floor Area	1,364 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
Lot Area	27,756 sqft (0.637 acres)
Garage Area	288 sqft
Porch	Covered Patio/Porch
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 LLOYDS LN
City	JOSEPHINE
State	TX
Zip	75189-1354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABS A0709 JOHN PENNINGTON SURVEY, TRACT 78, .6372 ACRES
Legal Subdivision	JOHN PENNINGTON SURVEY
Legal Tract	78
Legal Block	3
Legal Lot Number	78
Jurisdiction	COLLIN TX
Township / Civil Division	NEVADA
Census Block Group	3
Census Block	3035
Census Tract	31201

Owner

409 Lloyds St is owned and occupied by two individuals who bought it in March 2022.

Source: Collin County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 LLOYDS LN, JOSEPHINE, TX 75189-1354
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Mar 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Mar 23, 2022	Vendor's Lien, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on File
Deed Sale	Mar 23, 2022 · Amount on File
Prior Sale	Mar 23, 2005 · Amount on File
Deed Document Number	2022465230
Prior Transfer Date	Mar 8, 2005
Prior Transfer Doc	20050036374
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1, JOSEPHINE, TX 75164-0001

Mortgage

Document Number	0002564070
Date	Dec 21, 2021
Instrument	20211221002564070

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354
Investor	Possibly a Property Investor

Mortgage

Document Number	0000465250
Date	Mar 23, 2022
Instrument	20220323000465250

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 22, 2025

March 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Mar 23, 2022
Property Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354
Document Number	0000465230
Instrument Date	Mar 22, 2022
Instrument	20220323000465230
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LLOYDS ST, JOSEPHINE, TX 75189-1354
Investor	Possibly a Property Investor

Mortgage

Document Number	0000465240
Date	Mar 23, 2022
Instrument	20220323000465240

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 409 Lloyds St was $3,032 with a homeowner's exemption, down 18.3% from the year before.

Source: Collin County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Collin County
Municipality	Josephine City
Unified School District	Community Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,032.00 (-18.27%) Homeowner's exemption	$250,882 Land $54,162 Building $196,720	$250,882 Land $54,162 Building $196,720
2024	$3,710.00
2023		$244,219 Land $41,418 Building $202,801	$244,219 Land $41,418 Building $202,801
2022	$5,048.00

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

Flood

FEMA maps place 409 Lloyds St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2015–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2016 · 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

Wildfire risk around 409 Lloyds St is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 75% 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	CITY OF JOSEPHINE serves 9,800 people · EPA ID TX0430036
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	2 ppb (2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fiber · Fixed Wireless	1,000 / 1,000
Optimum Cable · Fiber in parts of the area	940 / 35
Point Broadband Fixed Wireless	100 / 100
Nextlink Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Wi-Five Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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