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

Henderson County property record for 222 Oak Creek Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 888 sqft · built 1996
Lot Size	0.16 acres (6,978 sqft)
Owner	Individual Name on File
Last Sale	$233,200 (Dec 2020)
Tax Bill	$1,494 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2030-0007-0650-54`

Property Details

APN / Parcel Number

Primary APN	`2030-0007-0650-54`
Alternative APNs	`R000025317` `232766`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	928 sqft
1st Floor Area	888 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,978 sqft (0.16 acres)
Lot Dimensions	96 ft deep x 68 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	40 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	232766
Street Address	222 OAK CREEK DR
City	TOOL
State	TX
Zip	75143-8477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 841 D O WILLIAMS SUR, ARNOLD HILLS SUBD, BLK 7 LT 65, C/175
Legal Subdivision	ARNOLD HILLS
Legal Block	7
Legal Lot Number	65
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	1
Census Block	1009
Census Tract	950801

Owner

222 Oak Creek Dr is owned and occupied by an individual who bought it in December 2020.

Source: Henderson County records, as of September 17, 2025

Owner of Record	Individual Name on File
Mailing Address	222 OAK CREEK DR, TOOL, TX 75143-8477
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 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK
Dec 21, 2020	Vendor's Lien, Transfer · Conventional Mortgage SOUTHWEST FUNDING LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on File
Deed Sale	Dec 21, 2020 · Amount on File
Prior Sale	Oct 3, 2002
Deed Document Number	202020495
Prior Transfer Date	Nov 12, 2004
Prior Transfer Doc	2482000675
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	222 OAK CREEK DR, TOOL, TX 75143-8477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009721
Date	Jul 12, 2018
Instrument	2018-00009721

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	MABANK, TX 75147

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 9, 2038

December 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Dec 21, 2020
Property Address	222 OAK CREEK DR, TOOL, TX 75143-8477
Document Number	202000020495
Map Reference	VOL 8 PG 27
Instrument Date	Nov 24, 2020
Instrument	2020-00020495
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	ALAMO TITLE COMPANY, ALAMO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E BAR H DR, 117, GUN BARREL CITY, TX 75156-3751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 OAK CREEK DR, TOOL, TX 75143-8477

Mortgage

Document Number	202000020496
Date	Dec 21, 2020
Instrument	2020-00020496

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

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	Mabank Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$151,271	$205,781 Land $15,000 Building $190,781
2024	$1,494.00 (+15.46%)
2023	$1,294.00 (-51.35%) Homeowner's exemption	$125,017 Land $15,000 Building $175,305	$190,305 Land $15,000 Building $175,305
2022	$2,660.00

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

Flood

FEMA maps place 222 Oak Creek Dr in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 222 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 80% of the US · lower than 94% 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 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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