108 Ridgewood Dr, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 108 Ridgewood Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,599 sqft · built 1967
Lot Size	0.148 acres (6,480 sqft)
Owner	Individual Name on Record
Tax Bill	$5,412 (2023)
Deeds & Mortgages	Jan 2005 Line of Credit Jan 2005 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2355-0000-1370-63`

Property Details

APN / Parcel Number

Primary APN	`2355-0000-1370-63`
Alternative APNs	`R000033397` `240846`

Interior

Full Baths	2 Baths
Building Area	1,599 sqft Living Area
Gross Area	1,066 sqft
1st Floor Area	1,066 sqft
2nd Floor Area	533 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	6,480 sqft
Lot Dimensions	270 ft deep x 24 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	432 sqft
Parking Spaces	2 Parking Spaces
Pool Area	112 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R000033397
Old Parcel Number	2355.0000.1370.63
Street Address	108 RIDGEWOOD DR
City	TOOL
State	TX
Zip	75143-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 137-140 AB 360 G HANCOCK SUR, CEDARCREST SHORES ESTS, LTS 137-140 & 24X270 TR ADJ TO LTS 139-142, B/62
Legal Subdivision	CEDAR CREST SHORES (508)
Legal Lot Number	137,140 138
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	2
Census Block	2015
Census Tract	950801

Owner

Source: Henderson County records, as of April 1, 2024

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	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2005	Deed of Trust, Mortgage · Line of Credit HOME FUNDS DIRECT
Jan 10, 2005	Deed of Trust, Mortgage · Line of Credit HOME FUNDS DIRECT
Mar 18, 2022	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 28, 2018	Vendor's Lien, Transfer GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022
Deed Sale	Mar 18, 2022
Prior Sale	Aug 28, 2018
Deed Document Number	2022-00005015
Record Updated	Sep 20, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Transaction Type	Mortgage
Record Updated	May 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500000356
Date	Jan 10, 2005
Instrument	2005-00000356

Lender

Name	HOME FUNDS DIRECT
Type	Mortgage Company
Address	SAN DIEGO, CA 92128

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Transaction Type	Mortgage
Record Updated	May 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500000357
Date	Jan 10, 2005
Instrument	2005-00000357

Lender

Name	HOME FUNDS DIRECT
Type	Mortgage Company
Address	SAN DIEGO, CA 92127

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Mar 18, 2022
Property Address	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Document Number	202200005015
Map Reference	VOL 2410 PG 800
Instrument Date	Mar 14, 2022
Instrument	2022-00005015
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	NATION TITLE, NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Investor	Possibly a Property Investor

Mortgage

Document Number	202200005016
Date	Mar 18, 2022
Instrument	2022-00005016

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Aug 28, 2018
Property Address	108 RIDGEWOOD DR, TOOL, TX 75143-2333
Document Number	201800012248
Map Reference	VOL3 PG45
Instrument Date	Aug 23, 2018
Instrument	2018-00012248
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	NOT AVAILABLE, ATTORNEY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	671 VZ COUNTY ROAD 2503, 671, CANTON, TX 75103-3924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 KINGSBRIDGE DR, HEARTLAND, TX 75126-8277

Mortgage

Document Number	201800012249
Date	Aug 28, 2018
Instrument	2018-00012249

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 25, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,412.00 (-24.7%)	$299,526 Land $20,000 Building $279,526	$299,526 Land $20,000 Building $279,526
2022	$7,187.00

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 April 5, 2010 · 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	4 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	Moderate above 44% of the US · lower than 82% of Texas
Wildfire Likelihood	0.07% 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	WEST CEDAR CREEK MUD serves 24,414 people · EPA ID TX1070190
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100

May also be available: Conquest Wireless, Verizon.

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