1040 Ridge Rd, Rockwall, TX 75087 Property Records

Rockwall County property record for 1040 Ridge Rd, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,619 sqft · built 1990
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Company Names on Record
Last Sale	$181,300 (Sep 2020)
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Oct 2023 Transfer Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4950000M0003000R`

Property Details

APN / Parcel Number

Primary APN	`4950000M0003000R`
Alternative APNs	`R22386` `22386`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,619 sqft Living Area
Gross Area	3,171 sqft
1st Floor Area	2,619 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,242 sqft (0.304 acres)
Lot Dimensions	147 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	117 sqft
Patio Area	408 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	1040 RIDGE ROAD CT
City	ROCKWALL
State	TX
Zip	75087-3116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD3
Legal Description	THE SHORES, BLOCK M, LOT 3
Legal Subdivision	THE SHORES
Legal Tract	3
Legal Block	M
Legal Lot Number	3
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	1
Census Block	1000
Census Tract	40103

Owner

Source: Rockwall County records, as of August 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1040 RIDGE RD, ROCKWALL, TX 75087-4200
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Intrafamily Transfer, Transfer
Sep 8, 2020	Vendor's Lien, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Aug 20, 2013 · Amount on Record
Deed Document Number	202020993
Last Transfer Date	Oct 6, 2023
Transfer Doc	0000017157
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCKWALL TX
Recording Date	Oct 11, 2023
Property Address	1040 RIDGE RD, ROCKWALL, TX 75087
Document Number	0000017157
Map Reference	CAB A SL 299
Instrument Date	Oct 6, 2023
Instrument	20230000017157
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 RIDGE ROAD CT, ROCKWALL, TX 75087-3116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1040 RIDGE ROAD CT, ROCKWALL, TX 75087-3116

September 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	Sep 8, 2020
Property Address	1040 RIDGE RD, ROCKWALL, TX 75087
Document Number	0000020993
Map Reference	CAB A SL 299
Instrument Date	Sep 1, 2020
Instrument	20200000020993
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	ALLEGIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8705 RAVENSWOOD RD, 8705, GRANBURY, TX 76049-8901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 RIDGE ROAD CT, ROCKWALL, TX 75087-3116

Mortgage

Document Number	0000020994
Date	Sep 8, 2020
Instrument	20200000020994

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

Tax Assessment & Valuation

Source: Rockwall County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$490,740 (+1%)	$532,163 (-2.12%) Land $176,000 Building $356,163
2025	$2,095.00 (-31.42%) Homeowner's exemption Senior Citizen's exemption	$446,127 (-11.1%)	$543,716 (+8.34%) Land $179,200 Building $364,516
2024	$3,055.00 (-31.64%)
2023		$501,854 Land $168,750 Building $333,104	$501,854 Land $168,750 Building $333,104
2021	$4,469.00

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 8, 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	3 in force

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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 ROCKWALL serves 55,250 people · EPA ID TX1990001
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Jul 2023
Lead	2 ppb (2026) 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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Novos Fiber Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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