642 Ray Ave, Desoto, TX 75115 Property Records

Dallas County property record for 642 Ray Ave, Desoto, TX 75115

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,366 sqft · built 1978
Lot Size	0.222 acres (9,681 sqft)
Owner	2 Individual Names on File
Last Sale	$337,179 (Jan 2026)
Tax Bill	$5,548 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-06950-008-019-0000`

Property Details

APN / Parcel Number

Primary APN	`20-06950-008-019-0000`
Alternative APN	`200695000801900`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,366 sqft Living Area
1st Floor Area	2,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,681 sqft (0.222 acres)
Lot Dimensions	120 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	200695000801900
Street Address	642 RAY AVE
City	DESOTO
State	TX
Zip	75115-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z312
Legal Description	MESA VERDE 1 BLK 8 LOT 19 INT202600010708 DD01152026 CO-DC 0695000801900 4CS06950008
Legal Subdivision	MESA VERDE 1
Legal Tract	6950
Legal Block	8
Legal Lot Number	19
Jurisdiction	DALLAS TX
Township / Civil Division	SOUTHWEST DALLAS
Census Block Group	1
Census Block	1024
Census Tract	16610

Owner

642 Ray Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Dallas County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	642 RAY AVE, DESOTO, TX 75115-3312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Jan 15, 2026	Vendor's Lien, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 30, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on File
Deed Sale	Jan 15, 2026 · Amount on File
Prior Sale	Oct 3, 2007 · Amount on File
Deed Document Number	202610708
Prior Transfer Date	Nov 1, 2005
Prior Transfer Doc	0003571997
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	642 RAY AVE, DESOTO, TX 75115-3312
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	FIDELITY NATIONAL LS, FIDELITY NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 RAY AVE, DESOTO, TX 75115-3312

Mortgage

Document Number	0000010710
Date	Jan 15, 2026
Instrument	202600010710

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jan 15, 2029

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DALLAS TX
Recording Date	Jan 15, 2026
Property Address	642 RAY AVE, DESOTO, TX 75115-3312
Document Number	0000010708
Map Reference	VOL 72091 PG 340
Instrument Date	Jan 15, 2026
Instrument	202600010708
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	FIDELITY NATIONAL LS, FIDELITY NATIONAL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 RAY AVE, DESOTO, TX 75115-3312

Mortgage

Document Number	0000010709
Date	Jan 15, 2026
Instrument	202600010709

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	642 RAY AVE, DESOTO, TX 75115-3312
Document Number	0000252506
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	642 RAY AVE DESOTO TX 751153312, DESOTO, TX 75115-3312

Mortgage

Document Number	0000252506
Date	Sep 7, 2017
Instrument	252506

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 6, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 642 Ray Ave was $5,548, up 9.1% from the year before.

Source: Dallas County assessment roll, as of August 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$349,210 (-) Land $70,000 Building $279,210	$349,210 (-) Land $70,000 Building $279,210
2025	$5,548.00 (+9.15%) Homeowner's exemption	$349,210 Land $70,000 Building $279,210	$349,210 Land $70,000 Building $279,210
2024	$5,083.00 (+11.42%)
2023	$4,562.00 (-7.65%) Homeowner's exemption	$332,400 Land $65,000 Building $267,400	$332,400 Land $65,000 Building $267,400
2022	$4,940.00

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

Flood

FEMA maps place 642 Ray Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2020 · 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.

Wildfire

Wildfire risk around 642 Ray Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 DESOTO serves 57,999 people · EPA ID TX0570006
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Nextlink, Verizon.

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