Henderson County property record for 10964 River Ranch Rd, Kemp, TX 75143
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,472 sqft · built 1989 |
| Lot Size | 40.7 acres (1,772,892 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,900 (Mar 2016) |
| Tax Bill | $6,970 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 3955-0000-0180-85 |
| Primary APN | 3955-0000-0180-85 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,472 sqft Living Area |
| Gross Area | 2,752 sqft |
| 1st Floor Area | 1,832 sqft |
| 2nd Floor Area | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 1,772,892 sqft (40.7 acres) |
| Porch | Enclosed Glass Porch |
| Porch Area | 424 sqft |
| Gazebo | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 278186 |
|---|---|
| Street Address | 10964 RIVER RANCH RD |
| City | KEMP |
| State | TX |
| Zip | 75143-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 18 AB 386 J IRWIN SUR, RIVER RANCH TR 18 |
| Legal Subdivision | RIVER RANCH SUBD |
| Legal Tract | 18 |
| Legal Lot Number | 18 |
| Jurisdiction | HENDERSON TX |
| Township / Civil Division | CEDAR CREEK LAKE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 950700 |
10964 River Ranch Rd is owned and occupied by an individual who bought it in March 2016.
Source: Henderson County records, as of October 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10964 RIVER RANCH RD, KEMP, TX 75143-6632 |
| 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 | Mar 1, 2016 · Amount on File |
| Deed Sale | Mar 1, 2016 · Amount on File |
| Prior Sale | Dec 22, 2008 |
| Deed Document Number | 20162537 |
| Prior Transfer Date | Feb 26, 2016 |
| Prior Transfer Doc | 0000002537 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON TX |
| Recording Date | Sep 30, 2026 |
| Property Address | 10964 RIVER RANCH RD, KEMP, TX 75143-6632 |
| Document Number | 0000014498 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202614498 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Title Company | SERVICELINK, SERVICELINK TITLE |
| Name | Verified Name |
|---|---|
| Address | 10964 RIVER RANCH RD, KEMP, TX 75143-6632 |
| Document Number | 0000014498, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 202614498 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 10964 River Ranch Rd was $6,970 with a homeowner's exemption.
Source: Henderson County assessment roll, as of September 17, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Henderson County |
| Unified School District | Kemp Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,970.00 Homeowner's exemption | $532,226 | $697,161 Land $315,934 Building $381,227 |
| 2023 | $3,810.00 (-30.32%) Homeowner's exemption | $337,397 Land $122,100 Building $356,829 | $478,929 Land $122,100 Building $356,829 |
| 2022 | $5,468.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10964 River Ranch Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Jan 2012 · 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 10964 River Ranch Rd is moderate, ranking above 48% of the US, with a 0.1% 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 | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Nextlink Fixed Wireless | 200 / 50 |
5G and 4G LTE (outdoors only)
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