916 Ray Dr, Denison, TX 75020 Property Records

Grayson County property record for 916 Ray Dr, Denison, TX 75020

Property Summary

Property Type	Single Family Home
Details	1,362 sqft · built 2022
Lot Size	0.436 acres (19,010 sqft)
Owner	Individual Name on Record
Tax Bill	$4,676 (2024)
Deeds & Mortgages	Mar 2022 Construction Loan May 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D008 3618008`

Property Details

APN / Parcel Number

Primary APN	`D008 3618008`
Alternative APN	`437882`

Interior

Building Area	1,362 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Lot Area	19,010 sqft (0.436 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	23 sqft

Location & Zoning

Account Number	437882
Street Address	916 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 8, ACRES 0.4364
Legal Subdivision	SIMS COUCH FIFTH ADDITION
Legal Block	1
Legal Lot Number	8
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 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
Mailing Address	916 RAY DR, DENISON, TX 75020-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
May 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EVERETT FINANCIAL INC
May 5, 2023	Vendor's Lien, Subdivision Related Transfer EVERETT FINANCIAL INC
May 5, 2023	Special Warranty Deed, Transfer NOT AVAILABLE, GRAYSON COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2023
Deed Sale	May 5, 2023
Prior Sale	May 5, 2023
Deed Document Number	2023-11654
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	916 RAY DR, DENISON, TX 75020-1432
Transaction Type	Mortgage
Record Updated	Oct 16, 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	0000008729
Date	Mar 16, 2022
Instrument	2022-8729

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	916 RAY DR, DENISON, TX 75020-1432
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	NOT AVAILABLE, GRAYSON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 13941, AUSTIN, TX 78711-3941
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011656
Date	May 5, 2023
Instrument	2023-11656

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2023: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	May 5, 2023
Property Address	916 RAY DR, DENISON, TX 75020-1432
Document Number	0000011654
Map Reference	DOC 2021-154
Instrument Date	May 4, 2023
Instrument	2023-11654
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2023
Title Company	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	916 RAY DR, DENISON, TX 75020-1432
Investor	Possibly a Property Investor

Mortgage

Date	May 5, 2023

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

Mortgage

Document Number	0000011655
Date	May 5, 2023
Instrument	2023-11655

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2053

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	May 5, 2023
Property Address	916 RAY DR, DENISON, TX 75020-1432
Document Number	0000011653
Instrument Date	Apr 28, 2023
Instrument	2023-11653
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, MCKINNEY, TX 75069-2852
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 1, 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		$283,800 (+13.35%) Land $83,642 Building $222,490	$306,132 (+22.26%) Land $83,642 Building $222,490
2024	$4,676.00 (+462.02%)
2023		$250,385 Land $44,075 Building $206,310	$250,385 Land $44,075 Building $206,310
2022	$832.00

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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