4500 Merchant Trl, Denton, TX 76207 Property Records

Denton County property record for 4500 Merchant Trl, Denton, TX 76207

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,577 sqft · built 2018
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$239,700 (Jun 2018)
Tax Bill	$4,532 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R701780`

Property Details

APN / Parcel Number

Primary APN	`R701780`
Alternative APNs	`SD4583A-0000019-0000-0016-0000` `SD4583A-0000019-0000-0016` `995207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,577 sqft Living Area
Gross Area	1,987 sqft
1st Floor Area	1,577 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	411 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4500 MERCHANT TRL
City	DENTON
State	TX
Zip	76207-1578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEAVER CREEK PHASE 1B BLK 19 LOT 16
Legal Subdivision	BEAVER CREEK PHASE 1B
Legal Block	19
Legal Lot Number	16
Jurisdiction	DENTON TX
Township / Civil Division	DENTON
Census Block Group	1
Census Block	1013
Census Tract	20504

Owner

4500 Merchant Trl is owned and occupied by an individual who bought it in June 2018.

Source: Denton County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Nov 1, 2023	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Jan 24, 2020	Loan Modification, Mortgage HOUSING FIN AGCY
Jan 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 1, 2018	Grant Deed, Subdivision Related Transfer TEXAS AMERICAN TITLE
May 29, 2018	Deed of Trust, Mortgage BANK OF NY MELLON
May 29, 2018	Deed of Trust, Mortgage · FHA Mortgage ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Deed Document Number	201862849
Prior Transfer Date	May 29, 2018
Prior Transfer Doc	0000062849
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Recording Date	Jul 9, 2026
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000080473
Instrument Date	Jun 29, 2026
Instrument	202680473
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL, DENTON, TX 76207-1578

Mortgage

Document Number	0000080473,
Date	Jul 9, 2026
Instrument	202680473

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	283 Months
Due	Feb 1, 2050

Interest

Rate	6.53%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL, DENTON, TX 76207-1578

Mortgage

Document Number	0000117419
Date	Nov 1, 2023
Instrument	2023-117419

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	315 Months
Due	Feb 1, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DENTON TX
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000021330
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL DENTON TX 762071578, DENTON, TX 76207-1578

Mortgage

Document Number	0000021330
Date	Feb 18, 2020
Instrument	21330

Lender

Name	HOUSING FIN AGCY
Address	BOISE, ID 83709

Agreement

Amount	Amount on Record
Term	336 Months
Due	Feb 17, 2048

Interest

Rate	3.87%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000021331
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL DENTON TX 762071578, DENTON, TX 76207-1578

Mortgage

Document Number	0000021331
Date	Feb 18, 2020
Instrument	21331

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	DENTON TX
Recording Date	Jun 1, 2018
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000062849
Instrument Date	May 29, 2018
Instrument	62849
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 2018
Title Company	TEXAS AMERICAN TITLE

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	4500 MERCHANT TRL DENTON TX 762071578, DENTON, TX 76207-1578

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000062851
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	TEXAS AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL DENTON TX 762071578, DENTON, TX 76207-1578

Mortgage

Document Number	0000062851
Date	Jun 1, 2018
Instrument	62851

Lender

Name	BANK OF NY MELLON
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4500 MERCHANT TRL, DENTON, TX 76207-1578
Document Number	0000062850
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	TEXAS AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 MERCHANT TRL DENTON TX 762071578, DENTON, TX 76207-1578

Mortgage

Document Number	0000062850
Date	Jun 1, 2018
Instrument	62850

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4500 Merchant Trl was $4,532 with a homeowner's exemption.

Source: Denton County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Denton County
Municipality	Denton City
Unified School District	Denton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$299,691 (-4.84%) Land $86,114 Building $213,577	$299,691 (-4.84%) Land $86,114 Building $213,577
2025	$4,532.00	$314,924 Land $86,114 Building $228,810	$314,924 Land $86,114 Building $228,810
2023	$4,265.00 (-13.72%) Homeowner's exemption	$329,280 Land $86,114 Building $243,166	$329,280 Land $86,114 Building $243,166
2022	$4,943.00

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

Flood

FEMA maps place 4500 Merchant Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 4500 Merchant Trl is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 DENTON serves 150,037 people · EPA ID TX0610002
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
ElektraFi Fixed Wireless	400 / 60
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Nextlink.

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