412 Lake St, Red Oak, TX 75154 Property Records

Ellis County property record for 412 Lake St, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 2015
Lot Size	0.244 acres (10,629 sqft)
Owner	Individual Name on File
Last Sale	$291,345 (Aug 2025)
Tax Bill	$4,860 (2025)
Deeds & Mortgages	Oct 2017 Loan Modification Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R229712`

Property Details

APN / Parcel Number

Primary APN	`R229712`
Alternative APNs	`72916700800800111` `229712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	2,032 sqft
Flooring	Carpet

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,629 sqft (0.244 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	412 LAKE ST
City	RED OAK
State	TX
Zip	75154-0017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 8 WATERVIEW FARMS PH III .244 AC
Legal Subdivision	WATERVIEW FARMS PH III
Legal Block	8
Legal Lot Number	8
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	1
Census Block	1026
Census Tract	60215

Owner

412 Lake St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	412 LAKE ST, RED OAK, TX 75154-0017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Oct 17, 2017	Loan Modification, Mortgage · FHA Mortgage US BK
Oct 17, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Nov 16, 2015 · Amount on File
Deed Document Number	202526622
Prior Transfer Date	Nov 2, 2015
Prior Transfer Doc	0000029284
Record Updated	Oct 29, 2026

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELLIS TX
Property Address	412 LAKE ST, RED OAK, TX 75154-0017
Document Number	0000035006
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 LAKE ST RED OAK TX 751540017, RED OAK, TX 75154-0017

Mortgage

Document Number	0000035006
Date	Dec 7, 2017
Instrument	35006

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	412 LAKE ST, RED OAK, TX 75154-0017
Document Number	0000034389
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 LAKE ST RED OAK TX 751540017, RED OAK, TX 75154-0017

Mortgage

Document Number	0000034389
Date	Dec 1, 2017
Instrument	34389

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 412 Lake St was $4,860 with a homeowner's exemption, down 1.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$315,000 (+0.61%) Land $71,500 Building $243,500	$315,000 (+0.61%) Land $71,500 Building $243,500
2025	$4,860.00 (-1.7%) Homeowner's exemption	$313,080 Land $71,500 Building $241,580	$313,080 Land $71,500 Building $241,580
2024	$4,944.00 (+12.54%)
2023	$4,393.00	$333,939 Land $65,000 Building $268,939	$333,939 Land $65,000 Building $268,939
2018	$6,012.00

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

Flood

FEMA maps place 412 Lake St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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 File 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

Wildfire risk around 412 Lake St is moderate, ranking above 47% 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 47% of the US · lower than 79% of Texas
Wildfire Likelihood	0.08% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Element8.

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