Panola County property record for 717 Ray St, Carthage, TX 75633
| Property Type | Single Family Home |
|---|---|
| Details | 1,759 sqft · built 1977 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,974 (Sep 2023) |
| Tax Bill | $4,147 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2019 Sale |
| APN | 01415-02930-00000-000000 |
| Primary APN | 01415-02930-00000-000000 |
|---|---|
| Alternative APN |
|
| Building Area | 1,759 sqft Total Area |
|---|
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 522 sqft |
| Carport | Carport |
| Carport Area | 522 sqft |
| Account Number | 01415-02930-00000-000000 |
|---|---|
| Street Address | 717 RAY ST |
| City | CARTHAGE |
| State | TX |
| Zip | 75633-1307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | BLK 239-B LT 3 |
| Legal Subdivision | THE NORTHWEST ADDITION |
| Legal Block | 239 |
| Legal Lot Number | 3 |
| Jurisdiction | PANOLA TX |
| Township / Civil Division | CARTHAGE |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 950402 |
717 Ray St is owned by an individual who bought it in September 2023.
Source: Panola County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 717 RAY ST, CARTHAGE, TX 75633-1307 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2023 | Vendor's Lien, Transfer · Conventional Mortgage CITIZENS NATIONAL BANK |
| May 20, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on File |
| Deed Sale | Sep 22, 2023 · Amount on File |
| Prior Sale | May 20, 2019 |
| Deed Document Number | 2023253598 |
| Prior Transfer Date | Jul 19, 2013 |
| Prior Transfer Doc | 001737/137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | PANOLA TX |
| Recording Date | Sep 22, 2023 |
| Property Address | 717 RAY ST, CARTHAGE, TX 75633-1307 |
| Document Number | 0000253598 |
| Map Reference | VOL 310 PG 624 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 253598 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2023 |
| Title Company | CARTHAGE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 717 RAY ST, CARTHAGE, TX 75633-1307 |
| Name | Verified Name |
|---|---|
| Address | 840 W HAYDEN ST, CARTHAGE, TX 75633-2949 |
| Document Number | 0000253599 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 253599 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.87% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 7.87% |
| Max Rate At Change | 11.8% |
| Index | 5-Year TN |
| Margin | 3 |
| Max Rate | 11.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PANOLA TX |
| Recording Date | May 20, 2019 |
| Property Address | 717 RAY ST, CARTHAGE, TX 75633-1307 |
| Document Number | 2026/075 |
| Book / Page | 2026 / 075 |
| Map Reference | VOL 1705 PG 514 |
| Instrument Date | May 17, 2019 |
| Instrument | 217029 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 JORDAN ST, 112, CARTHAGE, TX 75633-2064 |
| Name | Verified Name |
|---|---|
| Address | 717 RAY ST, CARTHAGE, TX 75633-1307 |
The 2026 property tax bill for 717 Ray St was $4,147, up 5.7% from the year before.
Source: Panola County assessment roll, as of February 5, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Carthage City |
| County | Panola County |
| Unified School District | Carthage Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,147.00 (+5.66%) | $175,930 (+6.13%) Land $41,210 Building $134,720 | $175,930 (+6.13%) Land $41,210 Building $134,720 |
| 2025 | $3,925.00 | $165,770 Land $41,210 Building $124,560 | $165,770 Land $41,210 Building $124,560 |
| 2023 | $122,190 Land $15,310 Building $106,880 | $122,190 Land $15,310 Building $106,880 | |
| 2022 | $2,852.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 717 Ray St; 1 flood insurance policy is in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 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 risk around 717 Ray St 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 80% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CARTHAGE serves 6,770 people · EPA ID TX1830001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 Coliform assessment May 2020 |
| Monitoring and Reporting | 8 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 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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