656 Roy Ayres Rd, Bells, TX 75414 Property Records

Grayson County property record for 656 Roy Ayres Rd, Bells, TX 75414

Property Summary

Property Type	Single Family Home
Details	2,130 sqft · built 2005
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$4,002 (2024)
Deeds & Mortgages	Feb 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148 100100301`

Property Details

APN / Parcel Number

Primary APN	`148 100100301`
Alternative APN	`232236`

Interior

Building Area	2,130 sqft Living Area
1st Floor Area	2,130 sqft
Upper Floors Area	1,065 sqft
Utility Area	44 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Carport	Carport
Carport Area	84 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	110 sqft
Deck Area	72 sqft
Patio Area	306 sqft
Utility Building	168 sqft

Location & Zoning

Account Number	232236
Street Address	656 ROY AYRES RD
City	BELLS
State	TX
Zip	75414-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-1001 REHORSE ELIZABETH A-G1001, ACRES 3.0
Legal Subdivision	REHORSE ELIZABETH A-G1001
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1022
Census Tract	102

Owner

Source: Grayson County records, as of October 20, 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
Co-owner	Co-owner on Record
Mailing Address	656 ROY AYRES RD, BELLS, TX 75414-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 10, 2018	Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage GEORGETOWN MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2018
Deed Sale	Jul 10, 2018
Prior Sale	Dec 11, 2014
Deed Document Number	2018-00015258
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	656 ROY AYRES RD, BELLS, TX 75414-2535
Transaction Type	Mortgage
Record Updated	Oct 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004412
Date	Feb 21, 2020
Instrument	2020-00004412

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

July 2018: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Jul 10, 2018
Property Address	656 ROY AYRES RD, BELLS, TX 75414-2535
Document Number	0000015258
Map Reference	VOL5557 PG242
Instrument Date	Jul 6, 2018
Instrument	2018-00015258
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 14, 2021
Title Company	CHICAGO 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	0000015259
Date	Jul 10, 2018
Instrument	2018-00015259

Lender

Name	GEORGETOWN MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$335,607 (+2.77%) Land $143,000 Building $192,607	$335,607 (+2.77%) Land $143,000 Building $192,607
2024	$4,002.00 (-18.76%)
2023		$326,546 Land $76,096 Building $250,450	$326,546 Land $76,096 Building $250,450
2022	$4,926.00

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	5 in force
Nearby Flood Claims	2 (2015–2017)
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

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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
TekWav Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20
360 Broadband Fixed Wireless	30 / 5
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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