Fannin County property record for 4418 FM 981, Leonard, TX 75452
| Property Type | Rural Home |
|---|---|
| Details | 2 ba · 2,016 sqft · built 1984 |
| Lot Size | 34.4 acres (1,501,470 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $113,000 (Oct 2009) |
| Tax Bill | $1,897 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1106-002-0000-02 |
| Primary APN | 1106-002-0000-02 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 1,501,470 sqft (34.4 acres) |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Porch | Porch |
| Porch Area | 544 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1106-002-0000-02 |
|---|---|
| Street Address | 4418 FM 981 |
| City | LEONARD |
| State | TX |
| Zip | 75452-3914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | A1106 S M SMITH, ACRES 34.469 |
| Legal Subdivision | S M SMITH SURVEY ABSTRACT NO 1106 |
| Jurisdiction | FANNIN TX |
| Township / Civil Division | LEONARD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 950701 |
4418 FM 981, a rural home, is owned and occupied by two individuals who bought it in October 2009.
Source: Fannin County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4418 FM 981, LEONARD, TX 75452-3914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2009 · Amount on File |
| Deed Sale | Oct 26, 2009 · Amount on File |
| Deed Document Number | 20095047 |
| Deed Book / Page | 1456 / 444 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FANNIN TX |
| Property Address | 4418 FM 981, LEONARD, TX 75452-3914 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 01952/0511 |
|---|---|
| Date | May 5, 2017 |
| Book Page | 1952/0511 |
| Instrument | 2017-2487 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DURANT, OK 74701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 4418 FM 981 was $1,897 with exemptions applied, up 272.7% from the year before.
Source: Fannin County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Fannin County |
| Unified School District | Leonard Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,897.00 (+272.69%) Homeowner's exemption Disabled Person's exemption | $688,480 Land $589,710 Building $98,770 | $688,480 Land $589,710 Building $98,770 |
| 2024 | $509.00 | ||
| 2023 | $120,846 | $704,420 Land $602,290 Building $102,130 | |
| 2018 | $1,597.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4418 FM 981 in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective June 16, 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 | 5 in force |
| Nearby Flood Claims | 10 (2015–2020) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Mar 2020 · other causes |
| Claims by Event |
|
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 risk around 4418 FM 981 is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 71% 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 | WEST LEONARD WSC serves 2,733 people · EPA ID TX0740034 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rise Broadband Fixed Wireless | 300 / 60 |
| Starlink Satellite | 280 / 30 |
May also be available: 360 Broadband, Verizon.
5G (outdoors only) and 4G LTE
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