Ellis County property record for 421 Rugged Dr, Red Oak, TX 75154 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 3,307 sqft Living Area |
| Lot Size | 1.04 acres |
| Occupancy | Owner Occupied |
| Last Sale | $362,200 (2007) |
| Tax Bill | $9,316.00 (2025) |
| Primary APN | R231512 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 3,307 sqft Living Area |
| Gross Area | 4,102 sqft Gross Area |
| 1st Floor | 2,322 sqft 1st Floor |
| 2nd Floor | 985 sqft 2nd Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Veneer Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 45,390 sqft |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 666 sqft Garage |
| Porch | Covered Porch |
| Porch Area | 158 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 421 RUGGED DR |
|---|---|
| City | RED OAK |
| State | TX |
| Zip | 75154-3015 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 9 B HIDDEN CREEK PH II RED OAK 1.042 ACRES |
| Legal Subdivision | HIDDEN CREEK PH II |
| Jurisdiction | ELLIS TX |
| Minor Civil Division | FERRIS |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 60103 |
Source: Ellis County records · APN R231512
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 | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 06, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit FROST BANK |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 05, 2019 | Loan Modification, Mortgage DITECH FIN'L |
| Oct 30, 2017 | Loan Modification, Mortgage DITECH FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2007 · Amount on Record |
| Deed Sale | Aug 09, 2007 · Amount on Record |
| Deed Doc Number | 200710258 |
| Deed Book / Page | 2300 / 1772 |
| Prior Transfer Date | Apr 03, 2007 |
| Prior Transfer Doc | 0023001772 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Apr 06, 2026 |
| Property Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Document Number | 0000011494 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202611494 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Investor | Possibly a Property Investor |
| Document Number | 0002320831 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 2320831 |
| Name | FROST BANK |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78296 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2107806 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2107806 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Document Number | 0000014004 |
| Instrument Date | Apr 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 421 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015 |
| Document Number | 0000014004 |
|---|---|
| Date | May 22, 2019 |
| Instrument | 14004 |
| Name | DITECH FIN'L |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 4.12% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 421 RUGGED DR, RED OAK, TX 75154-3015 |
| Document Number | 0000034639 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Name | Verified Name |
|---|---|
| Address | 421 RUGGED DR RED OAK TX 751543015, RED OAK, TX 75154-3015 |
| Document Number | 0000034639 |
|---|---|
| Date | Dec 05, 2017 |
| Instrument | 34639 |
| Name | DITECH FIN'L |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 480 Months |
| Due | Dec 04, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: Ellis County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Independent School District (PK - 12) |
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 | $585,640 (+1%) | $592,625 (+3.97%) Land $160,000 Building $432,625 | |
| 2025 | $9,316.00 (+4.46%) Homeowner's exemption | $532,400 (+4.7%) | $570,000 (+12.09%) Land $150,000 Building $420,000 |
| 2024 | $8,918.00 (+11.34%) | ||
| 2023 | $8,010.00 (-12.81%) Homeowner's exemption | $508,517 Land $135,000 Building $373,517 | $508,517 Land $135,000 Building $373,517 |
| 2018 | $9,187.00 |
421 Rugged Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Ellis County (48139C), updated October 9, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 51st percentile of exposed land nationally · 26th in Texas |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,299 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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