Ellis County property record for 428 Rugged Dr, Red Oak, TX 75154
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,843 sqft · built 2014 |
| Lot Size | 1.07 acres (46,740 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $575,188 (Oct 2024) |
| Tax Bill | $11,610 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R231518 |
| Primary APN | R231518 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,843 sqft Living Area |
| Gross Area | 3,573 sqft |
| 1st Floor Area | 2,843 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 46,740 sqft |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 465 sqft |
| Greenhouse | 150 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 428 RUGGED DR |
|---|---|
| City | RED OAK |
| State | TX |
| Zip | 75154-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 BLK B HIDDEN CREEK PH II 1.073 AC |
| Legal Subdivision | HIDDEN CREEK PH II |
| Legal Block | B |
| Legal Lot Number | 15 |
| Jurisdiction | ELLIS TX |
| Township / Civil Division | FERRIS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 60103 |
Source: Ellis County records, as of August 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 428 RUGGED DR, RED OAK, TX 75154-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Apr 19, 2018 | Warranty Deed, Transfer BENCHMARK MTG |
| Jan 23, 2017 | Warranty Deed, Transfer FIRST UNITED BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2024 · Amount on Record |
| Deed Sale | Oct 3, 2024 · Amount on Record |
| Prior Sale | Apr 19, 2018 · Amount on Record |
| Deed Document Number | 202431673 |
| Prior Transfer Date | Apr 18, 2018 |
| Prior Transfer Doc | 0000010890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Jul 23, 2026 |
| Property Address | 428 RUGGED DR, RED OAK, TX 75154-3016 |
| Document Number | 0000026529 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 202626529 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | MORTGAGE CONNECT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 RUGGED DR, RED OAK, TX 75154-3016 |
| Document Number | 0000026529, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 202626529 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Oct 1, 2054 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Apr 19, 2018 |
| Property Address | 428 RUGGED DR, RED OAK, TX 75154-3016 |
| Document Number | 0000010890 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 10890 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 RUGGED DR RED OAK TX 751543016, RED OAK, TX 75154-3016 |
| Document Number | 10891 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 10891 |
| Name | BENCHMARK MTG |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 18, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELLIS TX |
| Recording Date | Jan 23, 2017 |
| Property Address | 428 RUGGED DR, RED OAK, TX 75154-3016 |
| Document Number | 0000001936 |
| Instrument Date | Jan 19, 2017 |
| Instrument | 1936 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2018 |
| Title Company | REPUBLIC TITLE COMPANY, REPUBLIC TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 RUGGED DR RED OAK TX 751543016, RED OAK, TX 75154-3016 |
| Document Number | 1937 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 1937 |
| Name | FIRST UNITED BK |
|---|---|
| Type | Bank |
| Address | DURANT, OK 74701 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: Ellis County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $546,951 (-4.25%) Land $160,000 Building $386,951 | $546,951 (-4.25%) Land $160,000 Building $386,951 | |
| 2025 | $11,610.00 (+12.61%) | $571,238 (+9.67%) Land $150,000 Building $421,238 | $571,238 (+9.67%) Land $150,000 Building $421,238 |
| 2024 | $10,310.00 (+11.15%) | ||
| 2023 | $9,276.00 (+8.1%) Homeowner's exemption | $520,882 Land $121,500 Building $399,382 | $520,882 Land $121,500 Building $399,382 |
| 2018 | $8,581.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 66% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROCKETT SUD serves 46,614 people · EPA ID TX0700033 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 200 / 50 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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