415 Rugged Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 415 Rugged Dr, Red Oak, TX 75154 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,376 sqft · built 2006
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$413,300 (Sep 2020)
Tax Bill	$8,386 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R231498`

Property Details

APN / Parcel Number

Primary APN	`R231498`
Alternative APNs	`72473790100900111` `231498`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,376 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	2,376 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	479 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 RUGGED DR
City	RED OAK
State	TX
Zip	75154-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK A HIDDEN CREEK PH II 1.03 AC
Legal Subdivision	HIDDEN CREEK PH II
Legal Block	A
Legal Lot Number	9
Jurisdiction	ELLIS TX
Township / Civil Division	FERRIS
Census Block Group	1
Census Block	1004
Census Tract	60103

Owner

Source: Ellis County records · APN R231498

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	415 RUGGED DR, RED OAK, TX 75154-3015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jan 03, 2007 · Amount on Record
Deed Document Number	202034941
Prior Transfer Date	Sep 23, 2020
Prior Transfer Doc	0000034941
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELLIS TX
Recording Date	Sep 28, 2020
Property Address	415 RUGGED DR, RED OAK, TX 75154-3015
Document Number	0000034941
Instrument Date	Sep 23, 2020
Instrument	34941
Transaction Type	Transfer
Record Updated	Oct 22, 2020
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	415 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015

Mortgage

Document Number	34942
Date	Sep 28, 2020
Instrument	34942

Lender

Name	BANK OF COLORADO MONTROSE
Address	JOHNSTOWN, CO 80534

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

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		$492,000 (+0.41%) Land $160,000 Building $332,000	$492,000 (+0.41%) Land $160,000 Building $332,000
2025	$8,386.00 (+2.67%) Homeowner's exemption Additional exemption filed	$490,000 (+9.12%) Land $150,000 Building $340,000	$490,000 (+9.12%) Land $150,000 Building $340,000
2024	$8,168.00 (+8.19%)
2023	$7,550.00 (+4.44%) Homeowner's exemption	$449,029 Land $135,000 Building $314,029	$449,029 Land $135,000 Building $314,029
2018	$7,229.00

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
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Nearby Flood Policies	4 in force 4 of 4 on primary residences
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.