4378 FM 10, Gary, TX 75643 Property Records

Panola County property record for 4378 FM 10, Gary, TX 75643

Property Summary

Property Type	Rural Home
Details	1,470 sqft · built 1940
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Aug 2014)
Tax Bill	$263 (2025)
Deeds & Mortgages	May 2026 Line of Credit
APN	`00432-00080-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`00432-00080-00000-000000`
Alternative APN	`17226`

Interior

Building Area	1,470 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Account Number	00432-00080-00000-000000
Street Address	4378 FM 10
City	GARY
State	TX
Zip	75643-4331
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	82
Legal Description	AB 432 E MORRIS P-5
Legal Subdivision	NORTHWEST ADDITION
Legal Block	239B
Legal Lot Number	6
Jurisdiction	PANOLA TX
Township / Civil Division	GARY CITY
Census Block Group	2
Census Block	2008
Census Tract	950600

Owner

Source: Panola County records · APN 00432-00080-00000-000000

Assessment roll updated February 5, 2026 · Last verified May 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	4378 FM 10, GARY, TX 75643-4331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 2014 · Amount on Record
Deed Sale	Aug 20, 2014 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Document Number	2014185162
Deed Book / Page	1792 / 508
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PANOLA TX
Recording Date	May 06, 2026
Property Address	4378 FM 10, GARY, TX 75643-4331
Document Number	0000002071
Instrument Date	Apr 29, 2026
Instrument	20262071
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4378 FM 10, GARY, TX 75643-4331

Mortgage

Document Number	0000002071,
Date	May 06, 2026
Instrument	20262071

Lender

Name	FIRST STATE BANK SW

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 05, 2036

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

Source: Panola County records · Assessment roll updated February 5, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Texas
County	Panola County
Unified School District	Gary 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
2025	$263.00 (-18.07%) Homeowner's exemption	$101,860 (+33.45%) Land $20,270 Building $81,590	$101,860 (+33.45%) Land $20,270 Building $81,590
2023		$76,330 Land $15,470 Building $60,860	$76,330 Land $15,470 Building $60,860
2022	$321.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Uniti Group DSL	25 / 3

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARY WSC serves 1,050 people
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024 Corrosion control Oct 2014
Monitoring and Reporting	32 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.