900 Ray Dr, Denison, TX 75020 Property Records

Grayson County property record for 900 Ray Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,360 sqft · built 2022
Lot Size	0.207 acres (8,999 sqft)
Owner	Company Name on Record
Tax Bill	$5,924 (2024)
Deeds & Mortgages	Mar 2022 Construction Loan May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D008 3618004`

Property Details

APN / Parcel Number

Primary APN	`D008 3618004`
Alternative APN	`437878`

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	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	369 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	23 sqft

Location & Zoning

Street Address	900 RAY DR
City	DENISON
State	TX
Zip	75020-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIMS COUCH FIFTH ADDITION, BLOCK 1, LOT 4, ACRES .2066
Legal Subdivision	SIMS COUCH FIFTH ADDITION
Legal Block	1
Legal Lot Number	4
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 September 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	19 SAN JUAN CIR, WYLIE, TX 75098-8232
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK AND TRUST CO INC
May 22, 2023	Warranty Deed, Subdivision Related Transfer NOT AVAILABLE, GRAYSON COUNTY TITLE
May 22, 2023	Special Warranty Deed, Transfer NOT AVAILABLE, GRAYSON COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023
Deed Sale	May 22, 2023
Prior Sale	May 22, 2023
Deed Document Number	202313112
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	900 RAY DR, DENISON, TX 75020-1432
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000008721
Date	Mar 16, 2022
Instrument	2022-8721

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 22, 2023
Property Address	900 RAY DR, DENISON, TX 75020-1432
Document Number	0000013112
Map Reference	DOC 2021-154
Instrument Date	May 19, 2023
Instrument	2023-13112
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 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
Relationship	Living Trust
Address	19 SAN JUAN CIR, WYLIE, TX 75098-8232

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 22, 2023
Property Address	900 RAY DR, DENISON, TX 75020-1432
Document Number	0000013111
Instrument Date	May 10, 2023
Instrument	2023-13111
Transaction Type	Transfer
Record Updated	Oct 16, 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, MC KINNEY, 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		$269,130 (+25.86%) Land $46,797 Building $222,333	$269,130 (+25.86%) Land $46,797 Building $222,333
2024	$5,924.00 (+926.69%)
2023		$213,840 Land $30,587 Building $183,253	$213,840 Land $30,587 Building $183,253
2022	$577.00

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 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% 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	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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