601 E McKay St, Troup, TX 75789 Property Records

Smith County property record for 601 E McKay St, Troup, TX 75789

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 1930
Lot Size	0.464 acres (20,212 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Oct 2021)
Tax Bill	$2,688 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R036435`

Property Details

APN / Parcel Number

Primary APN	`R036435`
Alternative APN	`1-00000-0010-40-027000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,563 sqft Heated Area
1st Floor Area	84 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	20,212 sqft (0.464 acres)
Lot Dimensions	202 ft deep x 99.8 ft wide
Garage Type	Carport
Garage Area	460 sqft
Carport	Carport
Carport Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	304 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	R036435
Street Address	601 E MCKAY ST
City	TROUP
State	TX
Zip	75789-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABST A0010 E GEE TRACT 27 S40
Legal Subdivision	A0010 E GEE
Legal Tract	27
Jurisdiction	SMITH TX
Township / Civil Division	TROUP-ARP
Census Block Group	3
Census Block	3011
Census Tract	2101

Owner

Source: Smith County records, as of October 20, 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	601 E MCKAY ST, TROUP, TX 75789-1421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 12, 2017	Warranty Deed, Transfer · FHA Mortgage REPUBLIC ST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Oct 12, 2017 · Amount on Record
Deed Document Number	20211041063
Prior Transfer Date	Sep 30, 2021
Prior Transfer Doc	0001041063
Record Updated	Oct 29, 2026

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	SMITH TX
Recording Date	Oct 5, 2021
Property Address	601 E MCKAY ST, TROUP, TX 75789-1421
Document Number	0001041063
Instrument Date	Sep 30, 2021
Instrument	202101041063
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4011 N CLAREY ST, EUGENE, OR 97402-9775

Mortgage

Document Number	0001041064
Date	Oct 5, 2021
Instrument	202101041064

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMITH TX
Recording Date	Oct 12, 2017
Property Address	601 E MCKAY ST, TROUP, TX 75789-1421
Document Number	0000042018
Instrument Date	Oct 11, 2017
Instrument	42018
Transaction Type	Transfer
Record Updated	Nov 1, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	601 E MCKAY ST TROUP TX 757891421, TROUP, TX 75789-1421

Mortgage

Document Number	42019
Date	Oct 12, 2017
Instrument	42019

Lender

Name	REPUBLIC ST MTG
Type	Mortgage Company
Address	HOUSTON, TX 77006

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2047

Tax Assessment & Valuation

Source: Smith County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,688.00 (+12.37%) Homeowner's exemption	$218,364 (+8.32%) Land $26,369 Building $191,995	$218,364 (+8.32%) Land $26,369 Building $191,995
2025	$2,392.00 (-12.38%) Homeowner's exemption	$201,589 (-18.78%) Land $24,905 Building $176,684	$201,589 (-18.78%) Land $24,905 Building $176,684
2024	$2,730.00 (-38.44%)
2023	$4,435.00 (+16.93%)	$248,215 Land $11,929 Building $236,286	$248,215 Land $11,929 Building $236,286
2022	$3,793.00

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 2, 2024 · 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	1 in force

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 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.07% 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 TROUP serves 2,006 people · EPA ID TX2120003
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Etex Telephone, Spectrum.

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