494 Kool Ln, Denison, TX 75021 Property Records

Grayson County property record for 494 Kool Ln, Denison, TX 75021

Property Summary

Property Type	Single Family Home
Details	3,014 sqft · built 2016
Lot Size	3.36 acres (146,536 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,245 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109 0921008`

Property Details

APN / Parcel Number

Primary APN	`109 0921008`
Alternative APN	`117540`

Interior

Stories	1 Story
Building Area	3,014 sqft Living Area
1st Floor Area	3,014 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Lot Area	146,536 sqft (3.36 acres)
Garage Type	Carport
Garage Area	800 sqft
Carport	Carport
Carport Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	899 sqft
Utility Building	1,200 sqft

Location & Zoning

Street Address	494 KOOL LN
City	DENISON
State	TX
Zip	75021-5160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0921 OSBORNE J L A-G0921, ACRES 3.364
Legal Subdivision	OSBORNE J L A-G0921
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1030
Census Tract	101

Owner

Source: Grayson County records, as of May 21, 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 Record
Mailing Address	494 KOOL LN, DENISON, TX 75021-5160
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 18, 2017	Deed of Trust, Mortgage LONE STAR FLCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 23, 2025
Transfer Doc	0000033391
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	494 KOOL LN, DENISON, TX 75021-5160
Document Number	0000024014
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	494 KOOL LN DENISON TX 750215160, DENISON, TX 75021-5160

Mortgage

Document Number	0000024014
Date	Oct 3, 2019
Instrument	24014

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2034

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	494 KOOL LN, DENISON, TX 75021-5160
Document Number	0000021133
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	RED RIVER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 KOOL LN DENISON TX 750215160, DENISON, TX 75021-5160

Mortgage

Document Number	0000021133
Date	Sep 22, 2017
Instrument	21133

Lender

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

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 21, 2037

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		$575,118 (+22.35%) Land $15,442 Building $559,676	$640,412 (+23.63%) Land $80,736 Building $559,676
2024	$6,245.00 (-17.89%)
2023		$470,048 Land $11,392 Building $458,656	$518,022 Land $59,366 Building $458,656
2022	$7,606.00

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 52% of the US · lower than 72% 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	CITY OF DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Rise Broadband Fixed Wireless	50 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: 360 Broadband, Nextlink, TekWav.

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