642 Smith Oak Rd, Sherman, TX 75090 Property Records

Grayson County property record for 642 Smith Oak Rd, Sherman, TX 75090

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1950
Lot Size	1.31 acres (57,281 sqft)
Owner	2 Individual Names on File
Last Sale	$319,328 (Jul 2026)
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`149 0338005`

Property Details

APN / Parcel Number

Primary APN	`149 0338005`
Alternative APN	`121962`

Interior

Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Lot Area	57,281 sqft (1.31 acres)
Porch	Open Porch
Porch Area	132 sqft
Utility Building	120 sqft

Location & Zoning

Street Address	642 SMITH OAK RD
City	SHERMAN
State	TX
Zip	75090-3236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0338 DAVIS F W A-G0338, ACRES 1.315
Legal Subdivision	DAVIS F W A-G0338
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	2
Census Block	2033
Census Tract	101

Owner

642 Smith Oak Rd is owned by two individuals who bought it in July 2026.

Source: Grayson County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3621 STEEPLE CHASE DR, 1108, SHERMAN, TX 75092-6107
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
Jul 27, 2026	Deed, Construction Loan · Construction Mortgage PLANET HOME LENDING
Oct 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	Oct 6, 2022
Deed Document Number	202618918
Record Updated	Sep 20, 2026

July 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	GRAYSON TX
Recording Date	Jul 27, 2026
Property Address	642 SMITH OAK RD, SHERMAN, TX 75090-3236
Document Number	0000018918
Instrument Date	Jul 24, 2026
Instrument	202618918
Transaction Type	Construction Loan
Record Updated	Oct 23, 2026
Title Company	RED RIVER TITLE INC, RED RIVER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018919,
Date	Jul 27, 2026
Instrument	202618919

Lender

Name	PLANET HOME LENDING

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	367 Months
Due	Feb 1, 2057

Interest

Max Rate	-1%

Mortgage

Document Number	0000018920,
Date	Jul 27, 2026
Instrument	202618920

Lender

Name	PLANET HOME LENDING

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Oct 6, 2022
Property Address	642 SMITH OAK RD, SHERMAN, TX 75090-3236
Document Number	0000033291
Instrument Date	Oct 6, 2022
Instrument	2022-33291
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 S VALENTINE DR, SHERMAN, TX 75090-8374

Tax Assessment & Valuation

The 2025 property tax bill for 642 Smith Oak Rd was $1,728, down 0.1% from the year before.

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	Sherman Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,728.00 (-0.12%)	$102,349 Land $100,512 Building $1,837	$102,349 Land $100,512 Building $1,837
2024	$1,730.00
2023		$107,696 Land $105,818 Building $1,878	$107,696 Land $105,818 Building $1,878
2022	$1,296.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 642 Smith Oak Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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	2 in force
Nearby Flood Claims	2 (2015–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2017 · 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 Smith Oak Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of 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	0.09% 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	PINK HILL WSC serves 2,835 people · EPA ID TX0910034
Water Source	Groundwater
Last State Inspection	Dec 2024
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: 360 Broadband, Nextlink, Rise Broadband, T-Mobile, TekWav.

Cell Coverage

5G (outdoors only) and 4G LTE

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