6 Summit Oaks Cir, Denison, TX 75020 Property Records

Grayson County property record for 6 Summit Oaks Cir, Denison, TX 75020

Property Summary

Property TypeSingle Family Home
Details4,342 sqft · built 2024
Lot Size1.05 acres (45,769 sqft)
Owner2 Individual Names on File
Tax Bill$8,947 (2025)
Deeds & MortgagesJun 2026 Mortgage
Oct 2024 Construction Loan
+ 2 more
Flood ZoneZone X (minimal risk)
APN063 7124009

Property Details

APN / Parcel Number

Primary APN063 7124009
Alternative APN
  • 255323

Interior

Stories1 Story
Building Area4,342 sqft Living Area
Gross Area5,360 sqft
1st Floor Area4,342 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Lot Area45,769 sqft (1.05 acres)
Lot Dimensions237 ft deep x 179 ft wide
Garage TypeAttached
Garage Area1,018 sqft
Parking Spaces4 Parking Spaces
PorchOpen Porch

Location & Zoning

Street Address6 SUMMIT OAKS CIR
CityDENISON
StateTX
Zip75020-2782
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUMMIT OAKS RANCH PHASE ONE, BLOCK 1, LOT 9, ACRES 1.0
Legal SubdivisionSUMMIT OAKS RANCH PHASE ONE
Legal Block1
Legal Lot Number9
JurisdictionGRAYSON TX
Township / Civil DivisionNORTHWEST GRAYSON
Census Block Group1
Census Block1169
Census Tract302

Owner

6 Summit Oaks Cir is owned by two individuals who acquired it in December 2021.

Source: Grayson County records, as of June 17, 2026

Owner of Record2 Individual Names on File
Mailing Address33 SHADOW LN, POTTSBORO, TX 75076-4770
Owner TypeIndividual
VestingIndividual(s)

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

Deeds, Mortgages & Sale History

DateDocument
Jun 3, 2026Deed of Trust, Mortgage · Conventional Mortgage
FIRST UNITED BANK AND TRUST COMPANY
Oct 25, 2024Deed of Trust, Mortgage · Construction Mortgage
FIRST UNITED BANK & TRUST CO
Oct 25, 2024Deed of Trust, Mortgage · Construction Mortgage
FIRST UNITED BANK & TRUST CO
Dec 30, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 30, 2021
Deed SaleDec 30, 2021
Prior SaleMay 29, 2015
Deed Document Number202144211
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGRAYSON TX
Recording DateJun 3, 2026
Property Address6 SUMMIT OAKS CIR, DENISON, TX 75020-2782
Document Number0000013976
Instrument DateMay 29, 2026
Instrument202613976
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySIMPLIFILE

Transferred To (Grantee/Buyer)

NameVerified Name
Address6 SUMMIT OAKS CIR, DENISON, TX 75020-2782

Mortgage

Document Number0000013976,
DateJun 3, 2026
Instrument202613976
Lender
NameFIRST UNITED BANK AND TRUST COMPANY
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

October 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGRAYSON TX
Property Address6 SUMMIT OAKS CIR, DENISON, TX 75020-2782
Transaction TypeMortgage
Record UpdatedOct 21, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address33 SHADOW LN, POTTSBORO, TX 75076-4770

Mortgage

Document Number0000029328
DateOct 25, 2024
Instrument2024-29328
Lender
NameFIRST UNITED BANK & TRUST CO
TypeBank
Address1400 W MAIN ST, DURANT, OK 74701
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

October 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGRAYSON TX
Property Address6 SUMMIT OAKS CIR, DENISON, TX 75020-2782
Transaction TypeMortgage
Record UpdatedOct 21, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address33 SHADOW LN, POTTSBORO, TX 75076-4770

Mortgage

Document Number0000029329
DateOct 25, 2024
Instrument2024-29329
Lender
NameFIRST UNITED BANK & TRUST CO
TypeBank
Address1400 W MAIN ST, DURANT, OK 74701
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGRAYSON TX
Recording DateDec 30, 2021
Property Address6 SUMMIT OAKS CIR, DENISON, TX 75020-2782
Document Number0000044211
Map ReferenceVOL 17 PG 166&167
Instrument DateDec 29, 2021
Instrument2021-00044211
Transaction TypeTransfer
Record UpdatedOct 21, 2025

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address780 TANGLEWOOD TRL, POTTSBORO, TX 75076-4810

Transferred To (Grantee/Buyer)

NameVerified Name
Address33 SHADOW LN, POTTSBORO, TX 75076-4770

Tax Assessment & Valuation

The 2025 property tax bill for 6 Summit Oaks Cir was $8,947, up 232% from the year before.

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

Property Jurisdictions

TypeName
StateTexas
CountyGrayson County
MunicipalityDenison City
Unified School DistrictPottsboro Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,947.00 (+231.99%)$467,763 Land $137,214 Building $330,549$467,763 Land $137,214 Building $330,549
2024$2,695.00
2023$115,000 Land $115,000$115,000 Land $115,000
2022$1,892.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6 Summit Oaks Cir in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims18 (1990–2019)
Claims Outside the SFHA10 of 18
Most Recent ClaimSep 2019 · rainfall accumulation
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 6 claims
  • Severe Storms, Tornadoes, And Flooding, Jul 2007 · 3 claims
  • Severe Storms, Tornadoes & Flooding, May 1990 · 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

Wildfire risk around 6 Summit Oaks Cir is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 48% of the US · lower than 77% of Texas
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemCITY OF DENISON
serves 27,500 people · EPA ID TX0910003
Water SourceSurface water
Last State InspectionSep 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 17 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Sparklight
Cable
1,000 / 50
Nextlink
Fixed Wireless
400 / 100
Verizon
Fixed Wireless
300 / 20

May also be available: 360 Broadband, TekWav.

Nearby Properties on Summit Oaks Cir

Nearby Streets

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