815 W Gandy St, Denison, TX 75020 Property Records

Grayson County property record for 815 W Gandy St, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	2,674 sqft · built 1900
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$361,971 (Jun 2023)
Tax Bill	$6,060 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D017 3116103`

Property Details

APN / Parcel Number

Primary APN	`D017 3116103`
Alternative APN	`143391`

Interior

Stories	1 Story
Building Area	2,674 sqft Living Area
1st Floor Area	2,674 sqft
Upper Floors Area	2,255 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	733 sqft
Deck Area	25 sqft
Patio Area	25 sqft

Location & Zoning

Street Address	815 W GANDY ST
City	DENISON
State	TX
Zip	75020-3266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLERS 1ST ADDN, BLOCK 8, LOT 13, ACRES .1722
Legal Subdivision	MILLERS 1ST ADDN
Legal Block	8
Legal Lot Number	13
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	3
Census Block	3046
Census Tract	501

Owner

Source: Grayson County records, as of October 19, 2026

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
Mailing Address	815 W GANDY ST, DENISON, TX 75020-3266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FUNDING INVESTMENTS INC
Jun 21, 2023	Vendor's Lien, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 24, 2021	Vendor's Lien, Transfer · Stand-Alone First Mortgage FIRST FUNDING INVESTMENTS INC
Jul 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Apr 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Sep 24, 2021 · Amount on Record
Deed Document Number	202315821
Prior Transfer Date	Sep 22, 2021
Prior Transfer Doc	0000032659
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	815 W GANDY ST, DENISON, TX 75020-3266
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 CANYON LAKE DR, LITTLE ELM, TX 75068-2794

Mortgage

Document Number	0000004570
Date	Feb 24, 2023
Instrument	2023-4570

Lender

Name	FIRST FUNDING INVESTMENTS INC
Type	Lending Institution
Address	BEDFORD, TX 76021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Apr 1, 2023

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Jun 21, 2023
Property Address	815 W GANDY ST, DENISON, TX 75020-3266
Document Number	0000015821
Map Reference	VOL Y PG 330
Instrument Date	Jun 16, 2023
Instrument	2023-15821
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 W GANDY ST, DENISON, TX 75020-3266

Mortgage

Document Number	0000015822
Date	Jun 21, 2023
Instrument	2023-15822

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

September 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Sep 24, 2021
Property Address	815 W GANDY ST, DENISON, TX 75020-3266
Document Number	0000032659
Map Reference	VOL Y PG 330
Instrument Date	Sep 22, 2021
Instrument	2021-00032659
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	GRANT COUNTY TITLE, GRAYSON COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3884 CANYON LAKE DR, LITTLE ELM, TX 75068

Mortgage

Document Number	0000032660
Date	Sep 24, 2021
Instrument	2021-00032660

Lender

Name	FIRST FUNDING INVESTMENTS INC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2022

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Jul 9, 2018
Property Address	815 W GANDY ST, DENISON, TX 75020-3233
Document Number	0000015223
Instrument Date	Jun 25, 2018
Instrument	15223
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2216 PADRE BLVD #BBOX179 SOUTH PADRE ISLAND TX 785970204, SOUTH PADRE ISLAND, TX 78597-0204

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Apr 9, 2018
Property Address	815 W GANDY ST, DENISON, TX 75020-3233
Document Number	0000007771
Instrument Date	Apr 5, 2018
Instrument	7771
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12501 FINGERBOARD RD MONROVIA MD 217708720, MONROVIA, MD 21770-8720

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Municipality	Denison City
Unified School District	Denison Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,060.00 (-9.15%) Homeowner's exemption	$335,601 (+17.03%) Land $52,500 Building $283,101	$335,601 (+17.03%) Land $52,500 Building $283,101
2024	$6,670.00 (+82.34%)
2023		$286,765 (+86.23%) Land $51,000 Building $235,765	$286,765 (+86.23%) Land $51,000 Building $235,765
2022	$3,658.00	$153,988 Land $39,075 Building $114,913	$153,988 Land $39,075 Building $114,913

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 13, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DENISON serves 27,500 people · EPA ID TX0910003
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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. 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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, TekWav.

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