Ellis County property record for 631 Pratt Rd, Red Oak, TX 75154
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,955 sqft · built 2020 |
| Lot Size | 4.99 acres (217,713 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $62,500 (Oct 2019) |
| Tax Bill | $8,832 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R276637 |
| Primary APN | R276637 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,955 sqft Living Area |
| Gross Area | 3,705 sqft |
| 1st Floor Area | 2,955 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,713 sqft |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Covered Porch |
| Canopy | 280 sqft |
| Storage Building | 160 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 631 PRATT RD |
|---|---|
| City | RED OAK |
| State | TX |
| Zip | 75154-5100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2R BLK A FLEMING CORNER REV 4.998 AC |
| Legal Subdivision | FLEMING CORNER REV |
| Legal Block | A |
| Legal Lot Number | 2R |
| Jurisdiction | ELLIS TX |
| Township / Civil Division | WAXAHACHIE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 60207 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 631 PRATT RD, RED OAK, TX 75154-5100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Line of Credit CITY CU |
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA |
| Mar 18, 2020 | Deed of Trust, Mortgage FIRST FIN'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2019 · Amount on Record |
| Deed Sale | Oct 16, 2019 · Amount on Record |
| Deed Document Number | 201931145 |
| Prior Transfer Date | Aug 13, 2019 |
| Prior Transfer Doc | 0000031145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 631 PRATT RD, RED OAK, TX 75154-5100 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0002206321 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 2206321 |
| Name | CITY CU |
|---|---|
| Type | Credit Union |
| Address | DALLAS, TX 75228 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Mar 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 631 PRATT RD, RED OAK, TX 75154-5100 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0002123533 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 2123533 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELLIS TX |
| Property Address | 631 PRATT RD, RED OAK, TX 75154-5100 |
| Document Number | 0000009814 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 106 PRAIRIE CREEK RD RED OAK TX 751542810, RED OAK, TX 75154-2810 |
| Document Number | 0000009814 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 9814 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | ABILENE, TX 79604 |
| Amount | Amount Recorded |
|---|
Source: Ellis County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Ellis County |
| Unified School District | Red Oak Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $741,108 (+3%) Land $230,000 Building $511,108 | $741,108 (+3%) Land $230,000 Building $511,108 | |
| 2025 | $8,832.00 (-5.12%) Homeowner's exemption | $719,500 (-2.01%) Land $230,000 Building $489,500 | $719,500 (-2.01%) Land $230,000 Building $489,500 |
| 2024 | $9,309.00 (-4.3%) | ||
| 2023 | $9,727.00 Homeowner's exemption | $734,277 Land $230,000 Building $504,277 | $734,277 Land $230,000 Building $504,277 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 4 (2015–2022) |
| Most Recent Claim | Aug 2022 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 79% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROCKETT SUD serves 46,614 people · EPA ID TX0700033 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| AT&T DSL | 100 / 20 |
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