109 Ridgeoak Way, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 109 Ridgeoak Way, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,944 sqft · built 1969
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jan 2021)
Tax Bill	$5,645 (2024)
Deeds & Mortgages	Sep 2017 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3310-0001-0600-63`

Property Details

APN / Parcel Number

Primary APN	`3310-0001-0600-63`
Alternative APNs	`R000054302` `261751`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	2,230 sqft
1st Floor Area	1,944 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	221 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	660 sqft
Porch	Porch
Boat Access	Boat Access
Total Buildings	5 Buildings

Location & Zoning

Account Number	261751
Street Address	109 RIDGEOAK WAY
City	TOOL
State	TX
Zip	75143-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60R AB 93 F BROWN SUR, LAKEWAY ESTATES, BLK 1 LT 60-R, REPLAT G/335 (LTS 58-60) F/129
Legal Subdivision	LAKEWAY ESTS
Legal Block	1
Legal Lot Number	60R
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	1
Census Block	1005
Census Tract	950802

Owner

Source: Henderson County records, as of September 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 RIDGEOAK WAY, TOOL, TX 75143-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2017	Deed of Trust, Mortgage COMPASS BANK
Jan 19, 2021	Vendor's Lien, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	Oct 15, 2012
Deed Document Number	2021957
Prior Transfer Date	Jan 5, 2007
Prior Transfer Doc	0000000685
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	109 RIDGEOAK WAY, TOOL, TX 75143-1227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700014828
Date	Sep 27, 2017
Instrument	2017-00014828

Lender

Name	COMPASS BANK
Type	Bank
Address	KAUFMAN, TX 75142

Agreement

Amount	Amount Recorded

January 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Jan 19, 2021
Property Address	109 RIDGEOAK WAY, TOOL, TX 75143-1227
Document Number	202100000957
Instrument Date	Jan 14, 2021
Instrument	2021-00000957
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	NOT AVAILABLE, COLONIAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RIDGEOAK WAY, TOOL, TX 75143-1227

Mortgage

Document Number	202100000958
Date	Jan 19, 2021
Instrument	2021-00000958

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of September 17, 2025

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
2025		$566,762 (+8.31%)	$568,238 (+8.59%) Land $121,500 Building $446,738
2024	$5,645.00 (-5.67%)
2023	$5,984.00 (-55.63%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$523,279 Land $121,500 Building $401,779	$523,279 Land $121,500 Building $401,779
2022	$13,488.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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 42% of the US · lower than 84% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Conquest Wireless, Nextlink.

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