Grayson County property record for 981 Smith Oak Rd, Sherman, TX 75090
| Property Type | Mobile Home |
|---|---|
| Details | 2,128 sqft · built 2000 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,157 (2024) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 142 099504216 |
| Primary APN | 142 099504216 |
|---|---|
| Alternative APN |
|
| Building Area | 2,128 sqft Living Area |
|---|---|
| 1st Floor Area | 2,128 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Mobile/Manufactured |
| Lot Area | 43,560 sqft (1 acres) |
| Utility Building | 180 sqft |
| Account Number | 209877 |
|---|---|
| Old Parcel Number | 142 099504216 |
| Street Address | 981 SMITH OAK RD |
| City | SHERMAN |
| State | TX |
| Zip | 75090-4849 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | G-0995 RILEY JAMES A-G0995, ACRES 1.0, LABEL# PFS0681870, HUD#2 PFS0681871; SN1 12333495A; SN2 12333495B |
| Legal Subdivision | RILEY JAMES A-G0995 |
| Jurisdiction | GRAYSON TX |
| Township / Civil Division | EAST GRAYSON |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 101 |
981 Smith Oak Rd, a mobile home, is owned and occupied by an individual who acquired it in December 2010.
Source: Grayson County records, as of October 20, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 981 SMITH OAK RD, SHERMAN, TX 75090-4849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2010 |
| Deed Sale | Dec 13, 2010 |
| Deed Document Number | 2010-00024004 |
| Deed Book / Page | 04893 / 00570 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYSON TX |
| Property Address | 981 SMITH OAK RD, SHERMAN, TX 75090-4849 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Title Company | FREEDOM MORTGAGE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000011378 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 6006/00540 |
| Instrument | 2017-00011378 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 285 Months |
| Due | Feb 1, 2041 |
Source: Grayson County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Grayson County |
| Unified School District | Sherman Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $164,303 Land $92,500 Building $97,077 | $189,577 Land $92,500 Building $97,077 | |
| 2024 | $1,157.00 | ||
| 2023 | $229,568 Land $100,000 Building $129,568 | $229,568 Land $100,000 Building $129,568 | |
| 2022 | $1,623.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Smith Oak Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 | 2 in force |
| Nearby Flood Claims | 2 (2015–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2017 · rainfall accumulation |
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 risk around 981 Smith Oak Rd is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PINK HILL WSC serves 2,835 people · EPA ID TX0910034 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: 360 Broadband, Nextlink, Rise Broadband, TekWav.
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