410 Co Rd 197, Gary, TX 75643 Property Records

Panola County property record for 410 Co Rd 197, Gary, TX 75643

Property Summary

Property Type	Single Family Home
Details	2,550 sqft · built 2009
Lot Size	0.765 acres (33,362 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Mar 2019)
Tax Bill	$13,469 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Dec 2018 Refinance
APN	`01835-00406-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`01835-00406-00000-000000`
Alternative APN	`41080`

Interior

Building Area	2,550 sqft Total Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	33,362 sqft (0.765 acres)
Garage Type	Attached
Garage Area	780 sqft

Location & Zoning

Account Number	01835-00406-00000-000000
Street Address	410 COUNTY ROAD 197
City	GARY
State	TX
Zip	75643-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 5 LT 59 60 LAKE MURVAUL LSD LOT-PCFWD
Legal Subdivision	MURVAUL RESERVOIR SHORELINE SUBDIVISION
Legal Lot Number	59,60
Jurisdiction	PANOLA TX
Township / Civil Division	GARY CITY
Census Block Group	2
Census Block	2066
Census Tract	950600

Owner

Source: Panola County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8884 FM 139, JOAQUIN, TX 75954-5658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2019	Vendor's Lien, Transfer · Stand-Alone First Mortgage COMMUNITY BANK OF LOUISIANA
Dec 6, 2018	Intrafamily Transfer, Transfer · Stand-Alone Refinance HOWARD RENEAU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2019 · Amount on Record
Deed Sale	Mar 12, 2019 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	2019215448
Deed Book / Page	2014 / 235
Prior Transfer Date	Dec 5, 2018
Prior Transfer Doc	2000/075
Record Updated	Oct 29, 2026

March 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	PANOLA TX
Recording Date	Mar 12, 2019
Property Address	410 COUNTY ROAD 197, GARY, TX 75643-3821
Document Number	2014/235
Book / Page	2014 / 235
Map Reference	VOL 4 PG 215
Instrument Date	Mar 11, 2019
Instrument	215448
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CARTHAGE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	466 COUNTY ROAD 197, 466, GARY, TX 75643-3821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8884 FM 139, JOAQUIN, TX 75954-5658

Mortgage

Document Number	215449
Date	Mar 12, 2019
Instrument	215449

Lender

Name	COMMUNITY BANK OF LOUISIANA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	62 Months
Due	May 10, 2024

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PANOLA TX
Recording Date	Dec 6, 2018
Property Address	410 COUNTY ROAD 197, GARY, TX 75643-3821
Document Number	2000/075
Book / Page	2000 / 075
Map Reference	VOL 1357 PG 244
Instrument Date	Dec 5, 2018
Instrument	213524
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 PRAIRIE ST5721, 240, TIMPSON, TX 75975

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 COUNTY ROAD 197, GARY, TX 75643-3821

Mortgage

Document Number	213695
Date	Dec 6, 2018
Instrument	213695

Lender

Name	HOWARD RENEAU
Type	Private Party

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Panola County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Panola County
Unified School District	Gary Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,469.00 (+9.43%) Homeowner's exemption	$654,740 (-3.85%)	$866,180 (+27.2%) Land $87,530 Building $778,650
2025	$12,308.00 (+65.03%) Homeowner's exemption	$680,960 (+38.43%) Land $87,530 Building $593,430	$680,960 (+38.43%) Land $87,530 Building $593,430
2023		$491,920 Land $53,050 Building $438,870	$491,920 Land $53,050 Building $438,870
2022	$7,458.00

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH MURVAUL WSC serves 981 people · EPA ID TX1830027
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
Treatment and Procedure	Lead service line inventory Oct 2024 Coliform assessment Oct 2024
Monitoring and Reporting	6 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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