505 Smith St, Henderson, TX 75654 Property Records

Rusk County property record for 505 Smith St, Henderson, TX 75654

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 1951
Lot Size	0.23 acres (10,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,000 (Dec 2017)
Tax Bill	$2,962 (2026)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02500-00120-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`02500-00120-00000-000000`
Alternative APN	`26804`

Interior

Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	10,010 sqft (0.23 acres)
Lot Dimensions	139 ft deep x 72 ft wide
Porch	Porch
Porch Area	54 sqft

Location & Zoning

Account Number	02500-00120-00000-000000
Street Address	505 SMITH ST
City	HENDERSON
State	TX
Zip	75654-4062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 BLK 16/376 MONTG SUB #3
Legal Subdivision	MONTGOMERY SUBDIVISION
Legal Block	16/376
Legal Lot Number	5
Jurisdiction	RUSK TX
Township / Civil Division	HENDERSON
Census Block Group	4
Census Block	4042
Census Tract	950800

Owner

Source: Rusk County records, as of September 23, 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	505 SMITH ST, HENDERSON, TX 75654-4062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Prior Sale	Oct 29, 2008 · Amount on Record
Deed Document Number	2017181262
Deed Book / Page	3541 / 223
Prior Transfer Date	Nov 30, 2017
Prior Transfer Doc	3541/223
Record Updated	Oct 29, 2026

December 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	RUSK TX
Recording Date	Dec 4, 2017
Property Address	505 SMITH ST, HENDERSON, TX 75654-4062
Document Number	3541/223
Book / Page	3541 / 223
Map Reference	VOL 443 PG 15
Instrument Date	Nov 30, 2017
Instrument	181262
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 COUNTY ROAD 405D, HENDERSON, TX 75654-9340

Mortgage

Document Number	181263
Date	Dec 4, 2017
Instrument	181263

Lender

Name	CITIZENS NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 1, 2022
Change Frequency	5 Years
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	5-Year CMT
Margin	3
Max Rate	12.8%

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of February 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,962.00 (-0.03%)	$155,830 (-0.06%) Land $25,000 Building $130,830	$155,830 (-0.06%) Land $25,000 Building $130,830
2025	$2,963.00 (+11.27%)	$155,930 (+18.54%) Land $25,000 Building $130,930	$155,930 (+18.54%) Land $25,000 Building $130,930
2023		$131,540 Land $12,500 Building $119,040	$131,540 Land $12,500 Building $119,040
2022	$2,663.00

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 29, 2010 · 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 Claims	18 (1983–2007)
Most Recent Claim	Jul 2007 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Mar 1989 · 5 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	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 HENDERSON serves 14,666 people · EPA ID TX2010001
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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