77 Laura Cir, Gunter, TX 75058 Property Records

Grayson County property record for 77 Laura Cir, Gunter, TX 75058

Property Summary

Property Type	Single Family Home
Details	3,879 sqft · built 1999
Lot Size	2.52 acres (109,771 sqft)
Owner	Individual Name on Record
Tax Bill	$14,251 (2024)
Deeds & Mortgages	Jul 2023 Mortgage May 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`292B6844017`

Property Details

APN / Parcel Number

Primary APN	`292B6844017`
Alternative APN	`134516`

Interior

Building Area	3,879 sqft Living Area
Gross Area	4,615 sqft
1st Floor Area	3,879 sqft
Upper Floors Area	1,272 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Lot Area	109,771 sqft (2.52 acres)
Garage Type	Mixed
Garage Area	1,800 sqft
Parking Spaces	9 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft

Location & Zoning

Account Number	134516
Old Parcel Number	292B6844017
Street Address	77 LAURA CIR
City	GUNTER
State	TX
Zip	75058-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAPLES RANCH ADDN PHASE THREE, LOT 59, ACRES 2.52
Legal Subdivision	MAPLES RANCH ADDN PHASE THREE
Legal Phase	3
Legal Lot Number	59
Jurisdiction	GRAYSON TX
Township / Civil Division	SOUTHWEST GRAYSON
Census Block Group	2
Census Block	2091
Census Tract	1901

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	77 LAURA CIR, GUNTER, TX 75058-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
May 16, 2023	Vendor's Lien, Transfer · Construction Mortgage FIRST BANK
Nov 12, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023
Deed Sale	May 16, 2023
Prior Sale	Nov 12, 2021
Deed Document Number	2023-00012643
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	77 LAURA CIR, GUNTER, TX 75058-3202
Transaction Type	Mortgage
Record Updated	Nov 6, 2023
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018244
Date	Jul 17, 2023
Instrument	2023-18244

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 5, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Max Rate	10.8%

May 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	May 16, 2023
Property Address	77 LAURA CIR, GUNTER, TX 75058-3202
Document Number	0000012643
Map Reference	VOL 11 PG 74
Instrument Date	May 9, 2023
Instrument	2023-00012643
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 LAURA CIR, GUNTER, TX 75058-3202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 DEBBIE CT, PROSPER, TX 75078-0137

Mortgage

Document Number	0000012644
Date	May 16, 2023
Instrument	2023-00012644

Lender

Name	FIRST BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 10, 2023

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON TX
Recording Date	Nov 12, 2021
Property Address	77 LAURA CIR, GUNTER, TX 75058-3202
Document Number	0000038662
Map Reference	VOL 11 PG 74
Instrument Date	Nov 10, 2021
Instrument	2021-00038662
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	77 LAURA CIR, GUNTER, TX 75058-3202

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	Gunter Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,043,166 (+21%) Land $345,779 Building $787,218	$1,132,997 (+31.42%) Land $345,779 Building $787,218
2024	$14,251.00 (+42.47%)
2023		$862,121 Land $305,525 Building $556,596	$862,121 Land $305,525 Building $556,596
2022	$10,003.00

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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 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 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.07% 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	MUSTANG SUD serves 127,911 people · EPA ID TX0610036
Water Source	Purchased surface water from UTRWD REGIONAL WATER TREATMENT PLANT
Last State Inspection	Feb 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 200
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Rise Broadband, Verizon.

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