118 Ridgeway Dr, Red Oak, TX 75154 Property Records

Ellis County property record for 118 Ridgeway Dr, Red Oak, TX 75154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,082 sqft · built 1986
Lot Size	0.598 acres (26,049 sqft)
Owner	Individual Name on Record
Last Sale	$146,600 (Apr 2011)
Tax Bill	$2,035 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R153779`

Property Details

APN / Parcel Number

Primary APN	`R153779`
Alternative APNs	`00788000500500111` `153779`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,082 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,707 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,049 sqft (0.598 acres)
Lot Depth	210 ft Depth
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Covered Porch
Porch Area	50 sqft
Storage Building	288 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	118 RIDGEWAY DR
City	RED OAK
State	TX
Zip	75154-5126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 5 RIDGE CREST EST 0.598 ACRES
Legal Subdivision	RIDGE CREST EST #1
Legal Block	5
Legal Lot Number	5
Jurisdiction	ELLIS TX
Township / Civil Division	WAXAHACHIE
Census Block Group	3
Census Block	3003
Census Tract	60207

Owner

Source: Ellis County records, as of August 19, 2026

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	118 RIDGEWAY DR, RED OAK, TX 75154-5126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2019	Loan Modification, Mortgage · FHA Mortgage BANK OF AMERICA
Nov 8, 2019	Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2011 · Amount on Record
Deed Sale	Apr 8, 2011 · Amount on Record
Deed Document Number	20116894
Deed Book / Page	2563 / 1842
Prior Transfer Date	Apr 4, 2011
Prior Transfer Doc	0000006894
Record Updated	Sep 20, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELLIS TX
Property Address	118 RIDGEWAY DR, RED OAK, TX 75154-5126
Document Number	0000038747
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 RIDGEWAY DR RED OAK TX 751545126, RED OAK, TX 75154-5126

Mortgage

Document Number	0000038747
Date	Dec 26, 2019
Instrument	38747

Lender

Name	BANK OF AMERICA
Type	Bank
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELLIS TX
Property Address	118 RIDGEWAY DR, RED OAK, TX 75154-5126
Document Number	0000038748
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 RIDGEWAY DR RED OAK TX 751545126, RED OAK, TX 75154-5126

Mortgage

Document Number	0000038748
Date	Dec 26, 2019
Instrument	38748

Lender

Name	HUD-HOUSING/URBAN DEV
Address	2488 E 81ST ST # 700, TULSA, OK 74137-4267

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

Source: Ellis County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Ellis County
Unified School District	Red Oak Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$366,365 (+48.82%)	$394,848 (+49.77%) Land $95,000 Building $299,848
2025	$2,035.00 (-6.99%) Homeowner's exemption	$246,188 (+2.58%) Land $95,000 Building $168,639	$263,639 (+9.85%) Land $95,000 Building $168,639
2024	$2,188.00 (+15.95%)
2023	$1,887.00 (-18.28%) Homeowner's exemption	$240,000 Land $75,000 Building $165,000	$240,000 Land $75,000 Building $165,000
2018	$2,309.00

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 9, 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	7 in force
Nearby Flood Claims	4 (2015–2022)
Most Recent Claim	Aug 2022 · 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% 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	ROCKETT SUD serves 46,614 people · EPA ID TX0700033
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
Nextlink Fixed Wireless	400 / 100
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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