978 N Rustic Cir, Dallas, TX 75218 Property Records

Dallas County property record for 978 N Rustic Cir, Dallas, TX 75218

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,964 sqft · built 1954
Lot Size	0.266 acres (11,566 sqft)
Owner	Individual Name on Record
Last Sale	$439,400 (May 2020)
Tax Bill	$9,158 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00-00039-075-100-0000`

Property Details

APN / Parcel Number

Primary APN	`00-00039-075-100-0000`
Alternative APN	`000003907510000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,964 sqft Living Area
1st Floor Area	1,964 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,566 sqft (0.266 acres)
Lot Dimensions	156 ft deep x 75 ft wide
Garage Type	Covered
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	000003907510000
Street Address	978 N RUSTIC CIR
City	DALLAS
State	TX
Zip	75218-2937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z298
Legal Description	LAKE GARDENS BLK 2/5376 LOT 33 INT202000128232 DD04182020 CO-DC 5376 002 03300 3005376 002
Legal Subdivision	LAKE GARDENS
Legal Block	2/537
Legal Lot Number	33
Jurisdiction	DALLAS TX
Township / Civil Division	NORTHEAST DALLAS
Census Block Group	1
Census Block	1012
Census Tract	8200

Owner

Source: Dallas County records, as of August 10, 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	978 N RUSTIC CIR, DALLAS, TX 75218-2937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 25, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage VERITEX COMMUNITY BANK
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 21, 2020	Vendor's Lien, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	2020128232
Prior Transfer Date	May 18, 2020
Prior Transfer Doc	0000128232
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	978 N RUSTIC CIR, DALLAS, TX 75218-2937
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218986
Date	Aug 11, 2022
Instrument	202200218986

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	978 N RUSTIC CIR, DALLAS, TX 75218-2937
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	PROVIDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800198883
Date	Jul 25, 2018
Instrument	201800198883

Lender

Name	VERITEX COMMUNITY BANK
Type	Bank
Address	DALLAS, TX 75205

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	978 N RUSTIC CIR, DALLAS, TX 75218-2937
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100309125
Date	Oct 15, 2021
Instrument	202100309125

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DALLAS TX
Recording Date	May 21, 2020
Property Address	978 N RUSTIC CIR, DALLAS, TX 75218-2937
Document Number	202000128232
Map Reference	VOL 16 PG 353
Instrument Date	May 18, 2020
Instrument	202000128232
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ALLEGIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7209 WABASH CIR, 7209, DALLAS, TX 75214-3535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 N RUSTIC CIR, DALLAS, TX 75218-2937

Mortgage

Document Number	202000128233
Date	May 21, 2020
Instrument	202000128233

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Dallas County assessment roll, as of August 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$664,930 (-4.47%) Land $404,810 Building $260,120	$664,930 (-4.47%) Land $404,810 Building $260,120
2025	$9,158.00 (+6.13%) Homeowner's exemption	$696,010 (+49.58%) Land $404,810 Building $291,200	$696,010 (+49.58%) Land $404,810 Building $291,200
2024	$8,629.00 (+8.32%)
2023	$7,966.00 (-8.16%) Homeowner's exemption	$465,310 Land $125,000 Building $340,310	$465,310 Land $125,000 Building $340,310
2022	$8,674.00

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 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 92 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	93 (1988–2015)
Claims Outside the SFHA	13 of 93
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 26 claims Severe Storms, Tornadoes & Flooding, Apr 1990 · 7 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 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.02% 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	DALLAS WATER UTILITY serves 1,356,479 people · EPA ID TX0570004
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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