520 S Elm St, Denton, TX 76201 Property Records

Denton County property record for 520 S Elm St, Denton, TX 76201

Property Summary

Property Type	Commercial
Details	7,752 sqft · built 1986
Lot Size	0.619 acres (26,963 sqft)
Owner	Company Name on Record
Last Sale	$750,120 (Oct 2024)
Tax Bill	$9,865 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R131476 362258`

Property Details

APN / Parcel Number

Primary APN	`R131476 362258`
Alternative APNs	`SD0511A-000033-0000-0002-000A` `SD0511A-000033-0000-0002` `R131476` `966690`

Interior

Stories	1 Story
Building Area	7,752 sqft Gross Area
1st Floor Area	7,752 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	26,963 sqft (0.619 acres)
Lot Dimensions	1 ft deep x 26,963 ft wide
Garage Type	Open
Garage Area	19,211 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	520 S ELM ST
City	DENTON
State	TX
Zip	76201-6018
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	O T DENTON BLK 33 LOT 2A ACRES 0.619
Legal Subdivision	O T DENTON
Legal Block	33
Legal Lot Number	2A
Jurisdiction	DENTON TX
Township / Civil Division	DENTON
Census Block Group	1
Census Block	1037
Census Tract	21100

Owner

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

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	Company Name on Record
Mailing Address	3105 UNICORN LAKE BLVD, DENTON, TX 76210-0108
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARANTY BANK & TRUST NA
May 14, 2024	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST
Oct 22, 2024	Vendor's Lien, Transfer · Commercial Mortgage GUARANTY BANK & TRUST
Jul 6, 2020	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST NA
Apr 25, 2017	Loan Modification, Mortgage TEXAS STAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2024 · Amount on Record
Deed Sale	Oct 22, 2024 · Amount on Record
Deed Document Number	2024114387
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	520 S ELM ST, DENTON, TX 76201-6018
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000166730
Date	Dec 7, 2022
Instrument	2022-166730

Lender

Name	GUARANTY BANK & TRUST NA
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2037

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	520 S ELM ST, DENTON, TX 76201-6018
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 S ELM ST, DENTON, TX 76201-6018

Mortgage

Document Number	0000050250
Date	May 14, 2024
Instrument	2024-50250

Lender

Name	GUARANTY BANK & TRUST
Type	Bank
Address	DENTON, TX 76210

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 13, 2025

October 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Oct 22, 2024
Property Address	520 S ELM ST, DENTON, TX 76201-6018
Document Number	0000114387
Map Reference	CAB F PG 309
Instrument Date	Oct 21, 2024
Instrument	2024-114387
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	TITLE RESOURCES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 S ELM ST, DENTON, TX 76201-6018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 UNICORN LAKE BLVD, DENTON, TX 76210-0108

Mortgage

Document Number	0000114388
Date	Oct 22, 2024
Instrument	2024-114388

Lender

Name	GUARANTY BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Oct 21, 2045

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	520 S ELM ST, DENTON, TX 76201-6018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE RESOURCES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096106
Date	Jul 6, 2020
Instrument	2020-096106

Lender

Name	GUARANTY BANK & TRUST NA
Type	Bank
Address	DENTON, TX 76210

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 3, 2040

Interest

Rate Type	Adjustable Rate

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DENTON TX
Property Address	520 S ELM ST, DENTON, TX 76201-6018
Document Number	0000063396
Instrument Date	Apr 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	5100 ELDORADO PKWY #102-703 MCKINNEY TX 750707295, 102-70, MCKINNEY, TX 75070-7295

Mortgage

Document Number	0000063396
Date	May 31, 2017
Instrument	63396

Lender

Name	TEXAS STAR BK
Type	Bank
Address	VAN ALSTYNE, TX 75495-0608

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 30, 2022

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

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		$500,000 (+0.77%) Land $323,556 Building $176,444	$500,000 (+0.77%) Land $323,556 Building $176,444
2025	$9,865.00 (+0.17%)	$496,200 (-5.11%) Land $323,556 Building $172,644	$496,200 (-5.11%) Land $323,556 Building $172,644
2024	$9,848.00 (-6.35%)
2023		$522,911 Land $323,556 Building $199,355	$522,911 Land $323,556 Building $199,355
2022	$10,516.00

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 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	8 (1980–2025)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2025 · rainfall accumulation

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	Not rated no burnable land within 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 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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: ElektraFi, Nextlink, Pavlov Media, T-Mobile.

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