427 W Main St, Denison, TX 75020 Property Records

Grayson County property record for 427 W Main St, Denison, TX 75020

Property Summary

Property Type	Commercial
Details	4,500 sqft · built 1900
Lot Size	0.069 acres (3,001 sqft)
Owner	Company Name on File
Last Sale	$231,300 (Aug 2016)
Tax Bill	$10,856 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D016 3131432`

Property Details

APN / Parcel Number

Primary APN	`D016 3131432`
Alternative APN	`143108`

Interior

Building Area	4,500 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Lot Area	3,001 sqft (0.069 acres)
Lot Dimensions	120 ft deep x 25 ft wide

Location & Zoning

Street Address	427 W MAIN ST
City	DENISON
State	TX
Zip	75020-3126
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	OTP DENISON, BLOCK 49, LOT 19, 25 X 120, 3,000 SQ FT, ACRES .0689
Legal Subdivision	OTP DENISON
Legal Block	49
Legal Lot Number	19
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1023
Census Tract	502

Owner

427 W Main St, a commercial property, is owned by a company that bought it in August 2016.

Source: Grayson County records, as of July 15, 2026

Owner of Record	Company Name on File
Mailing Address	1200 ROWLEY MILE, FAIRVIEW, TX 75069-8846
Owner Type	Company
Vesting	Limited Liability Company

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
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage GRAYSON COUNTY TITLE
Oct 13, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO
Apr 11, 2022	Deed of Trust, Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2016 · Amount on File
Deed Sale	Aug 31, 2016 · Amount on File
Prior Sale	Jun 16, 2010
Deed Document Number	201618550
Deed Book / Page	5866 / 150
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Recording Date	Jul 1, 2026
Property Address	427 W MAIN ST, DENISON, TX 75020-3126
Document Number	0000016619
Instrument Date	Jun 30, 2026
Instrument	202616619
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1200 ROWLEY MILE, FAIRVIEW, TX 75069-8846

Mortgage

Document Number	0000016619,
Date	Jul 1, 2026
Instrument	202616619

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	427 W MAIN ST, DENISON, TX 75020-3126
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	GRANT COUNTY TITLE, GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 ROWLEY MILE, FAIRVIEW, TX 75069-8846

Mortgage

Document Number	0000026546
Date	Oct 13, 2025
Instrument	2025-26546

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	931 W MAIN ST, DENISON, TX 75020

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	427 W MAIN ST, DENISON, TX 75020-3126
Transaction Type	Mortgage
Record Updated	Oct 6, 2022
Title Company	GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2508 CALGARY DR, SHERMAN, TX 75092-4338

Mortgage

Document Number	0000012248
Date	Apr 11, 2022
Instrument	2022-12248

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DENISON, TX 75020

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 427 W Main St was $10,856, up 7.6% from the year before.

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Denison City
Unified School District	Denison Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,856.00 (+7.6%)	$468,329 Land $102,000 Building $366,329	$468,329 Land $102,000 Building $366,329
2024	$10,089.00
2023		$361,906 Land $26,100 Building $335,806	$361,906 Land $26,100 Building $335,806
2022	$7,223.00

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

Flood

FEMA maps place 427 W Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 427 W Main St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Sparklight Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
TekWav Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bluepeak, Nextlink, T-Mobile.

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