826 Ray Dr, Denison, TX 75020 Property Records

Grayson County property record for 826 Ray Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,360 sqft · built 2022
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,250 (Jun 2025)
Tax Bill	$3,298 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D008 3618002`

Property Details

APN / Parcel Number

Primary APN	`D008 3618002`
Alternative APN	`437876`

Interior

Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	1,729 sqft
1st Floor Area	1,360 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Attached
Garage Area	369 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	23 sqft

Location & Zoning

Street Address	826 RAY DR
City	DENISON
State	TX
Zip	75020-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIMS COUCH FIFTH ADDITION, BLOCK 1, LOT 2, ACRES .1722
Legal Subdivision	SIMS COUCH FIFTH ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	GRAYSON TX
Township / Civil Division	EAST GRAYSON
Census Block Group	1
Census Block	1022
Census Tract	400

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	2 Individual Names on Record
Mailing Address	826 RAY DR, DENISON, TX 75020-1446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · VA Mortgage WEST CAPITAL LENDING INC
Mar 16, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
May 22, 2023	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2023	Special Warranty Deed, Transfer NOT AVAILABLE, GRAYSON COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	May 22, 2023 · Amount on Record
Deed Document Number	202513964
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	826 RAY DR, DENISON, TX 75020-1446
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 RAY DR, DENISON, TX 75020-1446

Mortgage

Document Number	0000003778
Date	Feb 19, 2026
Instrument	2026-3778

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	17911 VON KARMAN AVE STE 400, IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	826 RAY DR, DENISON, TX 75020-1446
Transaction Type	Mortgage
Record Updated	Nov 6, 2023
Title Company	NOT AVAILABLE, GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7495 ORCHARD HILL LN, FRISCO, TX 75035-0574

Mortgage

Document Number	0000008717
Date	Mar 16, 2022
Instrument	2022-8717

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	SHERMAN, TX 75090

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	May 22, 2023
Property Address	826 RAY DR, DENISON, TX 75020-1446
Document Number	0000013114
Map Reference	DOC 2021-154
Instrument Date	May 19, 2023
Instrument	2023-13114
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 6, 2023
Title Company	NOT AVAILABLE, GRAYSON COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1205 N WADDILL ST, MCKINNEY, TX 75069-2852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 RAY DR, DENISON, TX 75020-1446

Mortgage

Document Number	0000013115
Date	May 22, 2023
Instrument	2023-13115

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 22, 2023
Property Address	826 RAY DR, DENISON, TX 75020-1446
Document Number	0000013113
Instrument Date	May 16, 2023
Instrument	2023-13113
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	NOT AVAILABLE, 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	1205 N WADDILL ST, MCKINNEY, TX 75069-2852
Investor	Possibly a Property Investor

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	$3,298.00 (-25.28%)	$265,464 (+40.85%) Land $43,131 Building $222,333	$265,464 (+40.85%) Land $43,131 Building $222,333
2024	$4,414.00 (+731.26%)
2023		$188,473 Land $28,126 Building $160,347	$188,473 Land $28,126 Building $160,347
2022	$531.00

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	3 (2007–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 2 claims

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	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.03% 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 308 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	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, Nextlink, TekWav, Verizon.

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