645 Co Rd 4021, Savoy, TX 75479 Property Records

Fannin County property record for 645 Co Rd 4021, Savoy, TX 75479

Property Summary

Property Type	Rural Home
Details	5 ba · 4,711 sqft · built 2021
Lot Size	15 acres (653,400 sqft)
Owner	Company Name on Record
Tax Bill	$11,571 (2025)
Deeds & Mortgages	Jul 2026 Sale Jun 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0985-044-0060-09`

Property Details

APN / Parcel Number

Primary APN	`0985-044-0060-09`
Alternative APN	`127923`

Interior

Full Baths	5 Baths
Building Area	4,711 sqft Living Area
1st Floor Area	3,991 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Metal
Construction Type	Wood
Lot Area	653,400 sqft (15 acres)
Garage Type	Attached
Garage Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Electric

Location & Zoning

Account Number	0985-044-0060-09
Street Address	645 COUNTY ROAD 4021
City	SAVOY
State	TX
Zip	75479
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0985 J STIFF, ACRES 15.0
Legal Subdivision	JESSE STIFF SURVEY ABSTRACT NUMBER 985
Jurisdiction	FANNIN TX
Township / Civil Division	ECTOR
Census Block Group	2
Census Block	2096
Census Tract	950300

Owner

Source: Fannin County records, as of July 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1311 SADDLE CREEK DR, PROSPER, TX 75078-9481
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer IOTA ALL POINTS TITLE, ALL POINTS TITLE
Jun 24, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2026
Deed Sale	Jul 8, 2026
Deed Document Number	20264404
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Jul 8, 2026
Property Address	645 COUNTY ROAD 4021, SAVOY, TX 75479
Document Number	0000004404
Instrument Date	Jul 7, 2026
Instrument	20264404
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	IOTA ALL POINTS TITLE, ALL POINTS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1311 SADDLE CREEK DR, PROSPER, TX 75078-9481

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	645 COUNTY ROAD 4021, SAVOY, TX 75479
Transaction Type	Mortgage
Record Updated	Dec 8, 2022
Title Company	ENTERPRISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10824 LEESA DR, MCKINNEY, TX 75072-3327

Mortgage

Document Number	2021004612
Date	Jun 24, 2021
Instrument	2021004612

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Unified School District	Savoy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,571.00 (-1.72%) Homeowner's exemption	$1,213,440 (-19.06%) Land $209,820 Building $1,003,620	$1,213,440 (-19.06%) Land $209,820 Building $1,003,620
2024	$11,774.00
2023		$1,499,230 Land $427,490 Building $1,071,740	$1,499,230 Land $427,490 Building $1,071,740

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 June 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 53% of the US · lower than 69% of Texas
Wildfire Likelihood	0.1% 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	SOUTHWEST FANNIN COUNTY SUD serves 9,198 people · EPA ID TX0740031
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nextlink Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	60 / 6
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 4021

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