Panola County property record for 528 Co Rd 198, Gary, TX 75643
| Property Type | Single Family Home |
|---|---|
| Details | 626 sqft · built 1960 |
| Lot Size | 0.482 acres (21,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,732 (Nov 2025) |
| Tax Bill | $2,165 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2022 Mortgage |
| APN | 01825-00150-00000-000000 |
| Primary APN | 01825-00150-00000-000000 |
|---|---|
| Alternative APN |
|
| Building Area | 626 sqft Total Area |
|---|
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 21,018 sqft (0.482 acres) |
| Account Number | 01825-00150-00000-000000 |
|---|---|
| Street Address | 528 COUNTY ROAD 198 |
| City | GARY |
| State | TX |
| Zip | 75643-3714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 |
| Legal Description | LAKE MURVAUL SEC 3-S LT 18 LSD LOT-PCFWD |
| Legal Subdivision | MURVAUL RESERVOIR SHORELINE SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | PANOLA TX |
| Township / Civil Division | LONG BRANCH-DOTSON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 950500 |
Source: Panola County records · APN 01825-00150-00000-000000
Assessment roll updated February 5, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 528 COUNTY ROAD 198, GARY, TX 75643-3714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage VERABANK NA |
| Jun 29, 2022 | Vendor's Lien, Transfer · Stand-Alone First Mortgage CITIZENS NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Jul 14, 2022 |
| Deed Document Number | 20255849 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PANOLA TX |
| Property Address | 528 COUNTY ROAD 198, GARY, TX 75643-3714 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025005850 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-005850 |
| Name | VERABANK NA |
|---|---|
| Type | Bank |
| Address | HENDERSON, TX 75652 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 01, 2028 |
| Change Frequency | 3 Years |
| Min Rate At Change | 5% |
| Max Rate At Change | 8.75% |
| Index | 3-Year CMT |
| Margin | 3 |
| Max Rate | 14.7% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | PANOLA TX |
| Recording Date | Jun 29, 2022 |
| Property Address | 528 COUNTY ROAD 198, GARY, TX 75643-3714 |
| Document Number | 0000243410 |
| Map Reference | VOL 2041 PG 138 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 243410 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2022 |
| Title Company | CARTHAGE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 143 COUNTY ROAD 1975, GARY, TX 75643-3825 |
| Name | Verified Name |
|---|---|
| Address | 524 COUNTY ROAD 198, GARY, TX 75643-3714 |
| Date | Jun 29, 2022 |
|---|
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Panola County records · Assessment roll updated February 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Panola County |
| Unified School District | Gary Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,165.00 (+91.09%) | $104,710 (+73.3%) Land $48,630 Building $56,080 | $104,710 (+73.3%) Land $48,630 Building $56,080 |
| 2023 | $60,420 Land $29,470 Building $30,950 | $60,420 Land $29,470 Building $30,950 | |
| 2022 | $1,133.00 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Moderate above 42% of the US · lower than 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Uniti Group DSL | 100 / 20 |
Based on FCC filings for 54 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTH MURVAUL WSC serves 981 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2020 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 Coliform assessment Oct 2024 |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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