195 Lake Dr, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 195 Lake Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,822 sqft · built 1998
Lot Size	0.631 acres (27,496 sqft)
Owner	Individual Name on Record
Tax Bill	$4,137 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2016 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`2710-0015-0050-32`

Property Details

APN / Parcel Number

Primary APN	`2710-0015-0050-32`
Alternative APNs	`R000042938` `250387`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,822 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	1,822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	27,496 sqft (0.631 acres)
Lot Dimensions	375 ft deep x 220 ft wide
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	258 sqft
Deck Area	232 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	250387
Street Address	195 LAKE DR
City	TOOL
State	TX
Zip	75143-8456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 487 J MENDOZA SUR, ENCHANTED OAKS, BLK O LTS 5-7
Legal Subdivision	ENCHANTED OAKS
Legal Block	O
Legal Lot Number	5-7
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	2
Census Block	2056
Census Tract	950904

Owner

Source: Henderson County records, as of April 21, 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	182 LAKE DR, ENCHANTED OAKS, TX 75156-9090
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 2, 2016	Deed of Trust, Mortgage · Stand-Alone First Mortgage NTFN INC
Aug 15, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Apr 17, 2025	Vendor's Lien, Transfer · FHA Mortgage WILLOW BEND MORTGAGE CO
May 22, 2018	Vendor's Lien, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 13, 2014	Vendor's Lien, Transfer · FHA Mortgage NTFN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026
Deed Sale	Mar 31, 2026
Prior Sale	Apr 17, 2025 · Amount on Record
Deed Document Number	20264421
Prior Transfer Date	May 21, 2018
Prior Transfer Doc	0000007058
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	COLONIAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000014203
Date	Sep 17, 2020
Instrument	2020-00014203

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	COLONIAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600002632
Date	Mar 2, 2016
Instrument	2016-00002632

Lender

Name	NTFN INC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75067

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2046

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400011255
Date	Aug 15, 2024
Instrument	2024-00011255

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2044

April 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Apr 17, 2025
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Document Number	202500005236
Map Reference	CAB C SL 44
Instrument Date	Apr 15, 2025
Instrument	2025-00005236
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16975 TARLTON RD, MABANK, TX 75147-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 BRIARWOOD DR, MABANK, TX 75156-4155

Mortgage

Document Number	202500005237
Date	Apr 17, 2025
Instrument	2025-00005237

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	May 22, 2018
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Document Number	201800007058
Map Reference	CAB C SL44
Instrument Date	May 21, 2018
Instrument	2018-00007058
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	NOT AVAILABLE, COLONIAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091

Mortgage

Document Number	201800007059
Date	May 22, 2018
Instrument	2018-00007059

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

June 2014: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Jun 13, 2014
Property Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091
Document Number	201400007698
Map Reference	CAB C SL44
Instrument Date	Jun 10, 2014
Instrument	2014-00007698
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	EAST TX TITLE COMPANY, EAST TEXAS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5, QUEEN CITY, TX 75572-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 LAKE DR, ENCHANTED OAKS, TX 75156-9091

Mortgage

Document Number	201400007699
Date	Jun 13, 2014
Instrument	2014-00007699

Lender

Name	NTFN INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2044

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Henderson County
Municipality	Enchanted Oaks Town
Unified School District	Eustace Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$346,807 (+3.83%) Land $24,000 Building $322,807	$346,807 (-19.01%) Land $24,000 Building $322,807
2024	$4,137.00 (+8.41%)
2023	$3,816.00 (-65.08%) Homeowner's exemption	$334,000 Land $24,000 Building $404,236	$428,236 Land $24,000 Building $404,236
2022	$10,928.00

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	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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.04% 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	EAST CEDAR CREEK FWSD B A MCKAY serves 6,753 people · EPA ID TX1070019
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2021
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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100
Conquest Wireless Fixed Wireless	300 / 50

May also be available: Verizon.

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