428 W Main St, Denison, TX 75020 Property Records

Grayson County property record for 428 W Main St, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	2,875 sqft · built 1995
Lot Size	0.069 acres (3,001 sqft)
Owner	Company Name on Record
Last Sale	$88,000 (Oct 2015)
Tax Bill	$10,167 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D016 313145101`

Property Details

APN / Parcel Number

Primary APN	`D016 313145101`
Alternative APN	`214756`

Interior

Units	2 Units
Building Area	2,875 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	3,001 sqft (0.069 acres)
Lot Dimensions	120 ft deep x 25 ft wide
Canopy	145 sqft

Location & Zoning

Street Address	428 W MAIN ST
City	DENISON
State	TX
Zip	75020-3261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTP DENISON, BLOCK 50, LOT 15, 25X120, ACRES .0689
Legal Subdivision	OTP DENISON
Legal Block	50
Legal Lot Number	15
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1030
Census Tract	502

Owner

Source: Grayson County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	427 N RUSK ST, B, SHERMAN, TX 75090-0068
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2017	Warranty Deed, Transfer TEXAS STAR BK
Apr 15, 2017	Deed of Trust, Mortgage JO MILLS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2015 · Amount on Record
Deed Sale	Oct 29, 2015 · Amount on Record
Prior Sale	Nov 22, 2010
Deed Document Number	201521511
Deed Book / Page	5709 / 654
Prior Transfer Date	Oct 6, 2009
Prior Transfer Doc	0000020402
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Jul 27, 2017
Property Address	428 W MAIN ST, DENISON, TX 75020-3261
Document Number	0000016529
Instrument Date	Jul 26, 2017
Instrument	16529
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	RED RIVER TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4309 N CENTRAL EXPY DALLAS TX 752054524, DALLAS, TX 75205-4524

Mortgage

Document Number	16530
Date	Jul 27, 2017
Instrument	16530

Lender

Name	TEXAS STAR BK
Type	Bank
Address	VAN ALSTYNE, TX 75495

Agreement

Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	428 W MAIN ST, DENISON, TX 75020-3261
Document Number	0000009406
Book / Page	005993 / 000205
Instrument Date	Apr 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 W MAIN ST DENISON TX 750203129, DENISON, TX 75020-3129

Mortgage

Document Number	0000009406
Date	May 4, 2017
Book Page	005993/000205
Instrument	9406

Lender

Name	JO MILLS
Address	PO BOX 5, BRADY, TX 76825-0005

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$10,167.00 (+19.72%)	$526,743 (+72.93%) Land $102,000 Building $424,743	$526,743 (+72.93%) Land $102,000 Building $424,743
2024	$8,492.00 (+33.1%)
2023		$304,594 Land $26,100 Building $278,494	$304,594 Land $26,100 Building $278,494
2022	$6,380.00

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

Flood

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

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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