121 Oak Creek Dr, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 121 Oak Creek Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	1,396 sqft · built 1994
Owner	Individual Name on File
Tax Bill	$8,497 (2023)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2030-0007-0200-54`

Property Details

APN / Parcel Number

Primary APN	`2030-0007-0200-54`
Alternative APNs	`R000025280` `232729`

Interior

Building Area	1,396 sqft Living Area
Gross Area	2,336 sqft
1st Floor Area	1,852 sqft

Exterior

Year Built	Built 1994
Lot Dimensions	230 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	256 sqft
Patio Area	256 sqft
Storage Building	240 sqft
Total Buildings	3 Buildings

Location & Zoning

Account Number	R000025280
Old Parcel Number	2030.0007.0200.54
Street Address	121 OAK CREEK DR
City	TOOL
State	TX
Zip	75143-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 AB 841 D O WILLIAMS SUR, ARNOLD HILLS SUBD, BLK 7 PT OF LT 20
Legal Subdivision	ARNOLD HILLS (369)
Legal Block	7
Legal Lot Number	20
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	1
Census Block	1009
Census Tract	950801

Owner

121 Oak Creek Dr is owned and occupied by an individual who acquired it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	121 OAK CREEK DR, TOOL, TX 75143-8476
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY BANK
Jul 17, 2019	Vendor's Lien, Transfer · Conventional Mortgage WILLOW BEND MORTGAGE CO
Jun 20, 2017	Vendor's Lien, Transfer · Conventional Mortgage CAPITAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2019
Deed Sale	Jul 17, 2019
Prior Sale	Jun 20, 2017
Deed Document Number	2019-00009761
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	121 OAK CREEK DR, TOOL, TX 75143-8476
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016314
Date	Oct 19, 2020
Instrument	2020-00016314

Lender

Name	CITY BANK
Type	Bank
Address	LUBBOCK, TX 79407

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Jul 17, 2019
Property Address	121 OAK CREEK DR, TOOL, TX 75143-8476
Document Number	201900009761
Map Reference	CAB C SL 175
Instrument Date	Jul 15, 2019
Instrument	2019-00009761
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	TEXAS PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 OAK CREEK DR, TOOL, TX 75143-8476

Mortgage

Document Number	201900009762
Date	Jul 17, 2019
Instrument	2019-00009762

Lender

Name	WILLOW BEND MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

June 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Jun 20, 2017
Property Address	121 OAK CREEK DR, TOOL, TX 75143-8476
Document Number	201700009285
Map Reference	CAB C SL175
Instrument Date	Jun 16, 2017
Instrument	2017-00009285
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1633 CEDAR HILL AVE, DALLAS, TX 75208-2437

Mortgage

Document Number	201700009286
Date	Jun 20, 2017
Instrument	2017-00009286

Lender

Name	CAPITAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

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	Mabank Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$8,497.00 (+4.44%) Additional exemption filed	$470,115 Land $135,000 Building $335,115	$470,115 Land $135,000 Building $335,115
2022	$8,136.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 121 Oak Creek Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 121 Oak Creek Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.03% 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 135 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.

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