413 Rugged Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 413 Rugged Dr, Red Oak, TX 75154 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,229 sqft · built 2005
Lot Size	1.07 acres (47,001 sqft)
Owner	2 Individual Names on File
Last Sale	$454,500 (Jul 2026)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R231499`

Property Details

APN / Parcel Number

Primary APN	`R231499`
Alternative APNs	`72473790101000111` `231499`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,229 sqft Living Area
Gross Area	2,951 sqft
1st Floor Area	2,229 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	47,001 sqft
Garage Type	Attached
Garage Area	444 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	458 sqft
Canopy	800 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	413 RUGGED DR
City	RED OAK
State	TX
Zip	75154-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK A HIDDEN CREEK PH II 1.079 AC
Legal Subdivision	HIDDEN CREEK PH II
Legal Block	A
Legal Lot Number	10
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	1
Census Block	1004
Census Tract	60103

Owner

Source: Ellis County records · APN R231499

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	413 RUGGED DR, RED OAK, TX 75154-3015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORPORATION
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED HERITAGE CU
May 05, 2025	Intrafamily Transfer, Transfer
Oct 09, 2019	Warranty Deed, Transfer CORNERSTONE HM LNDG
Apr 28, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Prior Sale	Oct 09, 2019 · Amount on Record
Deed Document Number	202625454
Prior Transfer Date	Oct 04, 2019
Prior Transfer Doc	0000030577
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ELLIS TX
Recording Date	Jul 15, 2026
Property Address	413 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000025454
Instrument Date	Jul 14, 2026
Instrument	202625454
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 RUGGED DR, RED OAK, TX 75154-3015

Mortgage

Document Number	0000025455,
Date	Jul 15, 2026
Instrument	202625455

Lender

Name	GATEWAY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	413 RUGGED DR, RED OAK, TX 75154-3015
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002221327
Date	May 23, 2022
Instrument	2221327

Lender

Name	UNITED HERITAGE CU
Type	Credit Union
Address	AUSTIN, TX 78759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2037

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELLIS TX
Recording Date	May 05, 2025
Property Address	413 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0002514455
Map Reference	CAB G SL 274 & 275
Instrument Date	Apr 08, 2025
Instrument	2514455
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 RUGGED DR, RED OAK, TX 75154-3015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 RUGGED DR, RED OAK, TX 75154-3015

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Oct 09, 2019
Property Address	413 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000030577
Instrument Date	Oct 04, 2019
Instrument	30577
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	30578
Date	Oct 09, 2019
Instrument	30578

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 08, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	413 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000012630
Instrument Date	Apr 28, 2017
Transaction Type	Mortgage
Record Updated	Jun 05, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	0000012630
Date	May 08, 2017
Instrument	12630

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 07, 2032

Tax Assessment & Valuation

Source: Ellis County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$584,838 (+5.41%) Land $160,000 Building $424,838	$584,838 (+5.41%) Land $160,000 Building $424,838
2025	$6,334.00 (-2.49%)	$554,837 (+19.81%) Land $150,000 Building $404,837	$554,837 (+19.81%) Land $150,000 Building $404,837
2024	$6,496.00 (+0.06%)
2023	$6,492.00 (+42.46%) Homeowner's exemption Senior Citizen's exemption	$463,107 Land $135,000 Building $328,107	$463,107 Land $135,000 Building $328,107
2018	$4,557.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ellis County (48139C), updated October 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 481390601031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2018–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2022, rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 20% of Texas
Wildfire Likelihood	About 1 in 1,493 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AMG Technology Investment Group, JAB Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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