207 Cumberland Ln, Henderson, TX 75652 Property Records

Rusk County property record for 207 Cumberland Ln, Henderson, TX 75652

Property Summary

Property Type	Single Family Home
Details	6,907 sqft · built 1978
Lot Size	1.83 acres (79,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,225 (Nov 2025)
Tax Bill	$5,876 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02940-00260-00000-000000`

Property Details

APN / Parcel Number

Primary APN	`02940-00260-00000-000000`
Alternative APN	`13195`

Interior

Stories	1 Story
Building Area	6,907 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	79,976 sqft (1.83 acres)
Garage Area	574 sqft
Patio Area	736 sqft

Location & Zoning

Account Number	02940-00260-00000-000000
Street Address	207 CUMBERLAND LN
City	HENDERSON
State	TX
Zip	75652-9194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N PT LT 1 BLK 4 ADAWAY ESTS 1 AB 880 J J Y BARBO SUR 22006517
Legal Subdivision	ADAWAY COUNTRY ESTATES
Legal Block	4
Legal Lot Number	1
Jurisdiction	RUSK TX
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1027
Census Tract	950700

Owner

Source: Rusk County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	207 CUMBERLAND LN, HENDERSON, TX 75652-9194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SAVINGS BANK
Nov 3, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage HENDERSON FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Deed Document Number	2025266452
Deed Book / Page	4092 / 435
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSK TX
Recording Date	Sep 29, 2026
Property Address	207 CUMBERLAND LN, HENDERSON, TX 75652-9194
Document Number	0000276238
Instrument Date	Sep 28, 2026
Instrument	2026276238
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	FIRST CHOICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CUMBERLAND LN, HENDERSON, TX 75652-9194

Mortgage

Document Number	0000276238,
Date	Sep 29, 2026
Instrument	2026276238

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUSK TX
Recording Date	Nov 3, 2025
Property Address	207 CUMBERLAND LN, HENDERSON, TX 75652-9194
Document Number	004092/435
Book / Page	4092 / 435
Map Reference	VOL 1004 PG 729
Instrument Date	Oct 24, 2025
Instrument	266452
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CUMBERLAND LN, HENDERSON, TX 75652-9194

Mortgage

Document Number	0000266453
Date	Nov 3, 2025
Instrument	266453

Lender

Name	HENDERSON FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jan 31, 2026

Tax Assessment & Valuation

Source: Rusk County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Rusk County
Unified School District	Henderson Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,876.00 (+178.62%) Homeowner's exemption	$405,810 (+1.93%) Land $43,380 Building $362,430	$405,810 (+1.93%) Land $43,380 Building $362,430
2025	$2,109.00 (-47.93%) Homeowner's exemption	$398,130 (-1.75%) Land $35,700 Building $362,430	$398,130 (-1.75%) Land $35,700 Building $362,430
2024		$405,230 (+0.86%) Land $35,700 Building $369,530	$405,230 (+0.86%) Land $35,700 Building $369,530
2023		$401,790 Land $35,700 Building $366,090	$401,790 Land $35,700 Building $366,090
2022	$4,050.00

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 September 29, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	10 (1989–2024)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Apr 2024 · river or lake flooding

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	Moderate above 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.1% 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	NEW PROSPECT WSC PLANT 1 serves 936 people · EPA ID TX2010025
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Zito Media.

Cell Coverage

5G (outdoors only) and 4G LTE

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