2015 Island Cir, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 2015 Island Cir, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	2,869 sqft · built 2021
Lot Size	0.293 acres (12,771 sqft)
Owner	2 Individual Names on File
Last Sale	$1,425,760 (Sep 2025)
Tax Bill	$21,721 (2025)
Deeds & Mortgages	May 2020 Mortgage Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3170-0000-0070-63`

Property Details

APN / Parcel Number

Primary APN	`3170-0000-0070-63`
Alternative APNs	`R000124264` `303834`

Interior

Stories	2 Stories
Building Area	2,869 sqft Living Area
Gross Area	3,643 sqft
1st Floor Area	1,969 sqft
2nd Floor Area	900 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	12,771 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Total Buildings	2 Buildings

Location & Zoning

Account Number	303834
Street Address	2015 ISLAND CIR
City	TOOL
State	TX
Zip	75143-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 AB 488 T S MITCHELL SUR, ISLAND OAKS SUBD, LT 7, A/169
Legal Subdivision	ISLAND OAKS
Legal Lot Number	7
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	1
Census Block	1040
Census Tract	950802

Owner

2015 Island Cir is owned and occupied by two individuals who bought it in September 2025.

Source: Henderson County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITY NATIONAL BANK OF SULPHUR SPRINGS
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF SULPHUR SPRINGS
Sep 26, 2025	Vendor's Lien, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 27, 2019	Warranty Deed, Transfer UNKNOWN, COLONIAL TITLE COMPANY
Apr 6, 2018	Warranty Deed, Transfer UNKNOWN, COLONIAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2025 · Amount on File
Deed Sale	Sep 26, 2025 · Amount on File
Prior Sale	Nov 27, 2019
Deed Document Number	202513905
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, COLONIAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000006164
Date	May 12, 2020
Instrument	2020-00006164

Lender

Name	CITY NATIONAL BANK OF SULPHUR SPRINGS
Type	Bank
Address	SULPHUR SPRINGS, TX 75482

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, COLONIAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006253
Date	Apr 7, 2021
Instrument	2021-00006253

Lender

Name	CITY NATIONAL BANK OF SULPHUR SPRINGS
Type	Bank
Address	SULPHUR SPRINGS, TX 75483

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Sep 26, 2025
Property Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Document Number	202500013905
Map Reference	CAB A SL 169
Instrument Date	Sep 25, 2025
Instrument	2025-00013905
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	FIDELITY NATIONAL LS, FIDELITY NATIONAL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 ISLAND CIR, TOOL, TX 75143-1201

Mortgage

Document Number	202500013906
Date	Sep 26, 2025
Instrument	2025-00013906

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON TX
Recording Date	Nov 27, 2019
Property Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Document Number	201900016704
Map Reference	CABA SL 169
Instrument Date	Nov 26, 2019
Instrument	2019-00016704
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, COLONIAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 PEDIGREE, RED OAK, TX 75154-5236

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON TX
Recording Date	Apr 6, 2018
Property Address	2015 ISLAND CIR, TOOL, TX 75143-1201
Document Number	201800004758
Map Reference	VOL2 PG83
Instrument Date	Apr 5, 2018
Instrument	2018-00004758
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, COLONIAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18174 SHORE DR, TX 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18174 SHORE DR, KEMP, TX 75143-4438

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21,721.00 (+7.05%)	$1,251,522 (+13.7%) Land $265,500 Building $986,022	$1,251,522 (+13.7%) Land $265,500 Building $986,022
2024	$20,291.00 (+7.22%)
2023	$18,924.00 (-14.48%) Homeowner's exemption	$1,100,750 Land $283,200 Building $817,550	$1,100,750 Land $283,200 Building $817,550
2022	$22,127.00

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

Flood

FEMA maps place 2015 Island Cir 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	9 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 2015 Island Cir 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 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.03% 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	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 150 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	175 / 50

May also be available: Verizon.

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