626 E Gandy St, Denison, TX 75021 Property Records

Grayson County property record for 626 E Gandy St, Denison, TX 75021

Property Summary

Property Type	Single Family Home
Details	1,170 sqft · built 1950
Lot Size	0.258 acres (11,252 sqft)
Owner	Individual Name on Record
Tax Bill	$2,426 (2024)
Deeds & Mortgages	Nov 2021 Mortgage May 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`D015 3156178`

Property Details

APN / Parcel Number

Primary APN	`D015 3156178`
Alternative APN	`142754`

Interior

Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Utility Area	48 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1983
Lot Area	11,252 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	216 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	260 sqft

Location & Zoning

Account Number	142754
Old Parcel Number	D015 3156178
Street Address	626 E GANDY ST
City	DENISON
State	TX
Zip	75021-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERRYS ED 1ST ADDN, BLOCK 21, LOT 3 & W 25FT 2, ACRES .2583
Legal Subdivision	PERRYS ED 1ST ADDN
Legal Block	21
Legal Lot Number	3
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	2
Census Block	2013
Census Tract	200

Owner

Source: Grayson County records, as of October 24, 2025

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	626 E GANDY ST, DENISON, TX 75021-2814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
May 6, 2025	Vendor's Lien, Transfer · FHA Mortgage V1P INDEPENDENT MORTGAGE INC VIP MO
May 18, 2021	Warranty Deed, Transfer ALAMO TITLE COMPANY
May 19, 2021	Vendor's Lien, Transfer · Commercial Mortgage BLACK LABEL CAPITAL LLC
Aug 7, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Aug 7, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2025
Deed Sale	May 6, 2025
Prior Sale	May 19, 2021
Deed Document Number	2025-11352
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12069 BROWNWOOD DR, FRISCO, TX 75035-8859

Mortgage

Document Number	0000039131
Date	Nov 16, 2021
Instrument	2021-00039131

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	REDONDO BEACH, CA 90278

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	May 6, 2025
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Document Number	0000011352
Map Reference	VOL 149 PG 113
Instrument Date	May 2, 2025
Instrument	2025-11352
Transaction Type	Transfer
Record Updated	Oct 27, 2025
Title Company	CAPITAL TITLE TEXAS LLC, CAPITAL TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10658 SMARTY JONES ST, FRISCO, TX 75035-5978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 E GANDY ST, DENISON, TX 75021-2814

Mortgage

Document Number	0000011353
Date	May 6, 2025
Instrument	2025-11353

Lender

Name	V1P INDEPENDENT MORTGAGE INC VIP MO
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 18, 2021
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Document Number	0000016306
Map Reference	VOL 149 PG 113
Instrument Date	May 13, 2021
Instrument	2021-00016306
Transaction Type	Transfer
Record Updated	Oct 16, 2023
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	626 E GANDY ST, DENISON, TX 75021-2814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 CIVIC CIR # 255, 255, LEWISVILLE, TX 75067-3648

May 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	May 19, 2021
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Document Number	0000016485
Map Reference	VOL 149 PG 113
Instrument Date	May 13, 2021
Instrument	2021-00016485
Transaction Type	Transfer
Record Updated	Oct 16, 2023
Title Company	ALAMO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10658 SMARTY JONES ST, FRISCO, TX 75035-5978
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016486
Date	May 19, 2021
Instrument	2021-00016486

Lender

Name	BLACK LABEL CAPITAL LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Dec 1, 2021

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Aug 7, 2020
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Document Number	0000020481
Instrument Date	Aug 5, 2020
Instrument	20481
Transaction Type	Transfer
Record Updated	Sep 16, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	626 E GANDY ST DENISON TX 750212814, DENISON, TX 75021-2814

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Aug 7, 2020
Property Address	626 E GANDY ST, DENISON, TX 75021-2814
Document Number	0000020480
Instrument Date	Aug 4, 2020
Instrument	20480
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 E GANDY ST DENISON TX 750212814, DENISON, TX 75021-2814
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$105,107 (-9.03%) Land $45,450 Building $59,657	$105,107 (-9.03%) Land $45,450 Building $59,657
2024	$2,426.00 (+20.76%)
2023		$115,543 Land $56,588 Building $58,955	$115,543 Land $56,588 Building $58,955
2022	$2,009.00

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 13, 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
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 42% of the US · lower than 84% 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 DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, TekWav.

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