441 Spencer Ln, Tyler, TX 75704 Property Records

Smith County property record for 441 Spencer Ln, Tyler, TX 75704

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,758 sqft · built 2006
Lot Size	0.385 acres (16,771 sqft)
Owner	Individual Name on Record
Last Sale	$151,300 (May 2015)
Tax Bill	$4,028 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R139184`

Property Details

APN / Parcel Number

Primary APN	`R139184`
Alternative APN	`1-85705-0000-01-011000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,758 sqft Heated Area
1st Floor Area	1,758 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	16,771 sqft (0.385 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R139184
Street Address	441 SPENCER LN
City	TYLER
State	TX
Zip	75704-6657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WELLINGTON PLACE LOT 11
Legal Subdivision	WELLINGTON PLACE
Legal Lot Number	11
Jurisdiction	SMITH TX
Township / Civil Division	TYLER
Census Block Group	2
Census Block	2015
Census Tract	1606

Owner

Source: Smith County records, as of October 20, 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	1726 SUSAN DR, TYLER, TX 75703-6310
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 23, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jan 15, 2020	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2015 · Amount on Record
Deed Sale	May 7, 2015 · Amount on Record
Deed Document Number	2015100020493
Prior Transfer Date	Apr 30, 2015
Prior Transfer Doc	0100020493
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	441 SPENCER LN, TYLER, TX 75704-6657
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SPENCER LN, TYLER, TX 75704-6657

Mortgage

Document Number	0001003197
Date	Feb 5, 2024
Instrument	202401003197

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 1, 2064

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TX
Property Address	441 SPENCER LN, TYLER, TX 75704-6657
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SPENCER LN, TYLER, TX 75704-6657

Mortgage

Document Number	0001034745
Date	Aug 23, 2021
Instrument	202101034745

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Feb 1, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SMITH TX
Property Address	441 SPENCER LN, TYLER, TX 75704-6657
Document Number	0000006403
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SPENCER LN TYLER TX 757046657, TYLER, TX 75704-6657

Mortgage

Document Number	0000006403
Date	Feb 24, 2020
Instrument	6403

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Smith County
Unified School District	Tyler Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,028.00 (+8.34%)	$355,979 (+6.32%) Land $44,262 Building $311,717	$355,979 (+6.32%) Land $44,262 Building $311,717
2025	$3,718.00 (-29.73%)	$334,833 (+16.29%) Land $43,723 Building $291,110	$334,833 (+16.29%) Land $43,723 Building $291,110
2024	$5,291.00 (+17.6%)
2023	$4,499.00 (+14.65%)	$287,917 Land $66,749 Building $221,168	$287,917 Land $66,749 Building $221,168
2022	$3,924.00

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 September 2, 2024 · 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	1 in force

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.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 85% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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 TYLER serves 107,000 people · EPA ID TX2120004
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2023
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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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