409 Locust Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 409 Locust Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,920 sqft · built 2007
Lot Size	0.907 acres (39,509 sqft)
Owner	2 Individual Names on Record
Last Sale	$928,100 (Dec 2021)
Tax Bill	$3,328 (2025)
Deeds & Mortgages	Dec 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R237051`

Property Details

APN / Parcel Number

Primary APN	`R237051`
Alternative APNs	`60300700000200111` `237051`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,920 sqft Living Area
Gross Area	3,828 sqft
1st Floor Area	1,828 sqft
2nd Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,509 sqft (0.907 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Porch Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 LOCUST DR
City	RED OAK
State	TX
Zip	75154-3875
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 COE FARMS 0.907 ACRES
Legal Subdivision	COE FARMS
Legal Lot Number	2
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	1
Census Block	1017
Census Tract	60215

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	409 LOCUST DR, RED OAK, TX 75154-3875
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	Feb 2, 2007
Deed Document Number	202154695
Prior Transfer Date	Dec 10, 2021
Prior Transfer Doc	0000054695
Record Updated	Sep 20, 2026

December 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	ELLIS TX
Recording Date	Dec 14, 2021
Property Address	409 LOCUST DR, RED OAK, TX 75154-3875
Document Number	0002154695
Map Reference	CAB H SL 282
Instrument Date	Dec 10, 2021
Instrument	2154695
Record Updated	Mar 2, 2023
Title Company	ALLEGIANCE TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002154696
Date	Dec 14, 2021
Instrument	2154696

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.7%

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Municipality	Oak Leaf City
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$551,175 (-2.07%) Land $160,000 Building $391,175	$551,175 (-2.07%) Land $160,000 Building $391,175
2025	$3,328.00 (-22.02%) Homeowner's exemption Senior Citizen's exemption	$562,840 (-8.89%) Land $150,000 Building $412,840	$562,840 (-8.89%) Land $150,000 Building $412,840
2024	$4,268.00 (+1.26%)
2023	$4,215.00 (-29.44%) Homeowner's exemption Senior Citizen's exemption	$617,741 Land $135,000 Building $482,741	$617,741 Land $135,000 Building $482,741
2018	$5,974.00

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
Flood Insurance Cost	Premium on Record median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	4 (2018–2022)
Claims Outside the SFHA	4 of 4
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 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 GLENN HEIGHTS serves 18,718 people · EPA ID TX0570085
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Aug 2024
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	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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Element8, Spectrum.

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