1040 Opal Dr, Desoto, TX 75115 Property Records

Dallas County property record for 1040 Opal Dr, Desoto, TX 75115

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1985
Lot Size	0.196 acres (8,515 sqft)
Owner	Individual Name on File
Last Sale	$142,300 (Oct 2016)
Tax Bill	$4,100 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-09255-005-005-0000`

Property Details

APN / Parcel Number

Primary APN	`20-09255-005-005-0000`
Alternative APN	`200925500500500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,515 sqft (0.196 acres)
Lot Dimensions	120 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	412 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	200925500500500
Street Address	1040 OPAL DR
City	DESOTO
State	TX
Zip	75115-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	Z314
Legal Description	ROCK CREEK BLK 5 LOT 5 INT201600291419 DD10132016 CO-DC 0925500500500 4CS09255005
Legal Subdivision	ROCK CREEK
Legal Tract	9255
Legal Block	5
Legal Lot Number	5
Jurisdiction	DALLAS TX
Township / Civil Division	SOUTHWEST DALLAS
Census Block Group	2
Census Block	2010
Census Tract	16633

Owner

1040 Opal Dr is owned and occupied by an individual who bought it in October 2016.

Source: Dallas County records, as of August 10, 2026

Owner of Record	Individual Name on File
Mailing Address	1040 OPAL DR, DESOTO, TX 75115-1404
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2016 · Amount on File
Deed Sale	Oct 18, 2016 · Amount on File
Prior Sale	Aug 6, 2014
Deed Document Number	2016291419
Prior Transfer Date	Oct 13, 2016
Prior Transfer Doc	0000291419
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	1040 OPAL DR, DESOTO, TX 75115-1404
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 OPAL DR, DESOTO, TX 75115-1404

Mortgage

Document Number	0000257160
Date	Dec 27, 2023
Instrument	202300257160

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	276 Months
Due	Dec 1, 2046

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DALLAS TX
Property Address	1040 OPAL DR, DESOTO, TX 75115-1404
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000300805
Date	Oct 30, 2020
Instrument	202000300805

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Opal Dr was $4,100 with exemptions applied, up 6.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,340 (-6.68%) Land $60,000 Building $201,340	$261,340 (-6.68%) Land $60,000 Building $201,340
2025	$4,100.00 (+6.27%) Homeowner's exemption	$280,050 Land $60,000 Building $220,050	$280,050 Land $60,000 Building $220,050
2024	$3,858.00 (+12.18%)
2023	$3,439.00 (-7.15%) Homeowner's exemption	$274,090 Land $55,000 Building $219,090	$274,090 Land $55,000 Building $219,090
2022	$3,704.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1040 Opal Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1040 Opal Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 DESOTO serves 57,999 people · EPA ID TX0570006
Water Source	Purchased surface water from DALLAS WATER UTILITY
Last State Inspection	Mar 2025
Lead	Under 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Nextlink.

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