1412 Ridge Rd, Rockwall, TX 75087 Property Records

Rockwall County property record for 1412 Ridge Rd, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,784 sqft · built 1972
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$243,800 (Jun 2013)
Tax Bill	$5,005 (2021)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4200000A0001000R`

Property Details

APN / Parcel Number

Primary APN	`4200000A0001000R`
Alternative APNs	`R18847` `18847`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,784 sqft Living Area
Gross Area	5,170 sqft
1st Floor Area	2,784 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.54 acres)
Lot Dimensions	120 ft deep x 93 ft wide
View / Lot	Water View
Garage Type	Attached
Garage Area	1,627 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Pool House	216 sqft
Porch	Covered Porch
Porch Area	921 sqft
Deck Area	288 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1412 RIDGE RD
City	ROCKWALL
State	TX
Zip	75087-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	LAKE RAY HUBBARD EST, BLOCK A, LOT 1, & PT LOT 3
Legal Subdivision	LAKE RAY HUBBARD EST
Legal Block	A
Legal Lot Number	1
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	1
Census Block	1031
Census Tract	40303

Owner

1412 Ridge Rd is owned and occupied by two individuals who bought it in June 2013.

Source: Rockwall County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1412 RIDGE RD, ROCKWALL, TX 75087-4239
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
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 26, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 30, 2020	Deed of Trust, Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2013 · Amount on File
Deed Sale	Jun 13, 2013 · Amount on File
Deed Document Number	2013490327
Deed Book / Page	7293 / 299
Prior Transfer Date	Jun 4, 2013
Prior Transfer Doc	0000490327
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	1412 RIDGE RD, ROCKWALL, TX 75087-4239
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 RIDGE RD, ROCKWALL, TX 75087-4239

Mortgage

Document Number	0000015838
Date	Jul 18, 2022
Instrument	20220000015838

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 5, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	1412 RIDGE RD, ROCKWALL, TX 75087-4239
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022732
Date	Sep 26, 2020
Instrument	20200000022732

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	1412 RIDGE RD, ROCKWALL, TX 75087-4239
Document Number	0000002222
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 RIDGE RD ROCKWALL TX 750874239, ROCKWALL, TX 75087-4239

Mortgage

Document Number	0000002222
Date	Feb 4, 2020
Instrument	2222

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

Tax Assessment & Valuation

Source: Rockwall County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$424,954 (+0.61%) Land $223,374 Building $201,580	$424,954 (-4.76%) Land $223,374 Building $201,580
2025		$422,388	$446,209 Land $233,527 Building $212,682
2023		$417,215 Land $229,554 Building $187,661	$417,215 Land $229,554 Building $187,661
2021	$5,005.00

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

Flood

FEMA maps place 1412 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective October 8, 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	3 in force
Nearby Flood Claims	6 (2018–2026)
Claims Outside the SFHA	6 of 6
Most Recent Claim	May 2026 · 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

Wildfire risk around 1412 Ridge Rd 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 93% of the US · lower than 96% 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	CITY OF ROCKWALL serves 55,250 people · EPA ID TX1990001
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Jul 2023
Lead	2 ppb (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	None 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: Nextlink.

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