455 Shennandoah Rd, Bells, TX 75414 Property Records

Grayson County property record for 455 Shennandoah Rd, Bells, TX 75414

Property Summary

Property Type	Single Family Home
Details	1,075 sqft · built 1959
Lot Size	0.725 acres (31,608 sqft)
Owner	Individual Name on Record
Last Sale	$79,000 (Mar 2007)
Tax Bill	$1,026 (2024)
Deeds & Mortgages	Jun 2023 Second Mortgage Jun 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`113 110700702`

Property Details

APN / Parcel Number

Primary APN	`113 110700702`
Alternative APN	`209660`

Interior

Stories	1 Story
Building Area	1,075 sqft Living Area
1st Floor Area	1,075 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2001
Lot Area	31,608 sqft (0.725 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	228 sqft
Deck Area	Deck Area
Patio Area	447 sqft
Utility Building	210 sqft

Location & Zoning

Street Address	455 SHENNANDOAH RD
City	BELLS
State	TX
Zip	75414-3292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-1107 SIVILLS J M A-G1107, ACRES 1.0
Legal Subdivision	SIVILLS J M A-G1107
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1071
Census Tract	101

Owner

Source: Grayson County records, as of December 2, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	455 SHENNANDOAH RD, BELLS, TX 75414-3292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FANNIN BANK
Jun 14, 2023	Deed of Trust, Mortgage · Construction Mortgage FANNIN BANK
May 20, 2020	Warranty Deed, Transfer · Line of Credit LONE STAR FLCA
Oct 27, 2018	Loan Modification, Mortgage CENDERA BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2007 · Amount on Record
Deed Sale	Mar 30, 2007 · Amount on Record
Deed Document Number	20077632
Deed Book / Page	4219 / 407
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	455 SHENNANDOAH RD, BELLS, TX 75414-3292
Transaction Type	Mortgage
Record Updated	Jul 4, 2023
Title Company	COREY TITLE COMPANY, COLE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015309
Date	Jun 14, 2023
Instrument	2023-15309

Lender

Name	FANNIN BANK
Type	Bank
Address	BONHAM, TX 75418

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 13, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	455 SHENNANDOAH RD, BELLS, TX 75414-3292
Transaction Type	Mortgage
Record Updated	Jul 4, 2023
Title Company	COREY TITLE COMPANY, COLE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 57, BELLS, TX 75414-0057

Mortgage

Document Number	0000015308
Date	Jun 14, 2023
Instrument	2023-15308

Lender

Name	FANNIN BANK
Type	Bank
Address	BELLS, TX 75414

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 20, 2020
Property Address	455 SHENNANDOAH RD, BELLS, TX 75414-3292
Document Number	0000012003
Instrument Date	May 15, 2020
Instrument	12003
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	RED RIV TITLE COMPANY, RED RIV TITLE CO

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	1206 S MONTGOMERY ST SHERMAN TX 750908542, SHERMAN, TX 75090-8542

Mortgage

Document Number	12004
Date	May 20, 2020
Instrument	12004

Lender

Name	LONE STAR FLCA
Type	Funding / Finance Company
Address	FORT WORTH, TX 76102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 19, 2030

Interest

Rate Type	Adjustable Rate

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRAYSON TX
Property Address	455 SHENNANDOAH RD, BELLS, TX 75414-3292
Document Number	0000006650
Instrument Date	Oct 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 SHENNANDOAH RD BELLS TX 75414, BELLS, TX 75414

Mortgage

Document Number	0000006650
Date	Mar 28, 2019
Instrument	6650

Lender

Name	CENDERA BK NA
Type	Bank
Address	BELLS, TX 75414

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 27, 2024

Interest

Rate Type	Fixed Rate
Rate	7.5%

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	Bells Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$64,701 (-68.64%) Land $63,750 Building $951	$64,701 (-68.64%) Land $63,750 Building $951
2024	$1,026.00 (-60.12%)
2023		$206,310 Land $63,750 Building $142,560	$206,310 Land $63,750 Building $142,560
2022	$2,573.00

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 · 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	4 (1990–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims Severe Storms, Tornadoes & Flooding, May 1990 · 2 claims

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 56% of the US · lower than 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHWEST FANNIN COUNTY SUD serves 9,198 people · EPA ID TX0740031
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TekWav Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	60 / 6

May also be available: Nextlink, Verizon, Zulu Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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