617 Cardinal Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 617 Cardinal Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,447 sqft · built 1974
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on Record
Tax Bill	$4,508 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R167925`

Property Details

APN / Parcel Number

Primary APN	`R167925`
Alternative APNs	`62922000100100111` `167925`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,447 sqft Living Area
Gross Area	2,757 sqft
1st Floor Area	1,628 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	305 sqft
Storage Building	240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	617 CARDINAL DR
City	RED OAK
State	TX
Zip	75154-3605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1 WESTMORELAND AC PH I 0.57 AC
Legal Subdivision	WESTMORELAND AC PH I
Legal Block	1
Legal Lot Number	1
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	2
Census Block	2001
Census Tract	60209

Owner

Source: Ellis County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	617 CARDINAL DR, RED OAK, TX 75154-3605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage FROST BANK
Oct 7, 2020	Deed of Trust, Mortgage GUILD MTG
Apr 15, 2020	Loan Modification, Mortgage TEXAS BAY CU
Jan 28, 2017	Deed of Trust, Mortgage · Line of Credit TEXAS BAY CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	617 CARDINAL DR, RED OAK, TX 75154-3605
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 CARDINAL DR, RED OAK, TX 75154-3605

Mortgage

Document Number	0002311562
Date	Apr 25, 2023
Instrument	2311562

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	617 CARDINAL DR, RED OAK, TX 75154-3605
Document Number	0000037571
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 CARDINAL DR OVILLA TX 751543605, OVILLA, TX 75154-3605

Mortgage

Document Number	0000037571
Date	Oct 14, 2020
Instrument	37571

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 13, 2035

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELLIS TX
Property Address	617 CARDINAL DR, RED OAK, TX 75154-3605
Document Number	0000030658
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 CARDINAL DR RED OAK TX 751543605, RED OAK, TX 75154-3605

Mortgage

Document Number	0000030658
Date	Aug 31, 2020
Instrument	30658

Lender

Name	TEXAS BAY CU
Address	HOUSTON, TX 77034

Agreement

Amount	Amount Recorded
Term	204 Months
Due	Aug 30, 2037

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	617 CARDINAL DR, RED OAK, TX 75154-3605
Document Number	0000013778
Instrument Date	Jan 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 CARDINAL DR OVILLA TX 751543605, OVILLA, TX 75154-3605

Mortgage

Document Number	0000013778
Date	May 19, 2017
Instrument	13778

Lender

Name	TEXAS BAY CU
Address	HOUSTON, TX 77034

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 18, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Municipality	Ovilla City
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$338,501 (+1%)	$380,468 (+10.96%) Land $95,000 Building $285,468
2025	$4,508.00 (+0.47%) Homeowner's exemption	$307,728 (-5.26%) Land $95,000 Building $247,884	$342,884 (+5.56%) Land $95,000 Building $247,884
2024	$4,487.00 (+13.28%)
2023	$3,961.00 (+8.7%) Homeowner's exemption	$324,826 Land $75,000 Building $249,826	$324,826 Land $75,000 Building $249,826
2018	$3,644.00

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 9, 2026 · 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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	12 (1989–2018)
Claims Outside the SFHA	8 of 12
Most Recent Claim	Sep 2018 · river or lake flooding

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 46% of the US · lower than 80% 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 GLENN HEIGHTS serves 18,718 people · EPA ID TX0570085
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Element8 Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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