316 Callaghan Dr, Fate (Royse City), TX 75189 Property Records

Rockwall County property record for 316 Callaghan Dr, Fate, TX 75189

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,040 sqft · built 2017
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Last Sale	$338,300 (Jul 2017)
Tax Bill	$5,841 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R90563`

Property Details

APN / Parcel Number

Primary APN	`R90563`
Alternative APNs	`S3276-0014-0005-00-0R` `90563`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,040 sqft Living Area
Gross Area	3,556 sqft
1st Floor Area	3,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	316 CALLAGHAN DR
City	FATE
State	TX
Zip	75189-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAMBERLAIN CROSSING PH 5, BLOCK 14, LOT 5
Legal Subdivision	CHAMBERLAIN CROSSING PH 5
Legal Tract	5
Legal Block	14
Legal Lot Number	5
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	1
Census Block	1010
Census Tract	40409

Owner

316 Callaghan Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	316 CALLAGHAN DR, FATE, TX 75189-5044
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
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF TEXAS
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF TEXAS
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD
Jul 14, 2017	Vendor's Lien, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Prior Sale	Jul 14, 2017
Deed Document Number	201712907
Prior Transfer Date	Jul 13, 2017
Prior Transfer Doc	0000012907
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	316 CALLAGHAN DR, FATE, TX 75189-5044
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022302
Date	Oct 6, 2022
Instrument	20220000022302

Lender

Name	CREDIT UNION OF TEXAS
Type	Credit Union
Address	ALLEN, TX 75013

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 5, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	316 CALLAGHAN DR, FATE, TX 75189-5044
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027067
Date	Oct 7, 2021
Instrument	20210000027067

Lender

Name	CREDIT UNION OF TEXAS
Type	Credit Union
Address	ALLEN, TX 75013

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 5, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	316 CALLAGHAN DR, FATE, TX 75189-5044
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013042
Date	May 17, 2021
Instrument	20210000013042

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	Jul 14, 2017
Property Address	316 CALLAGHAN DR, FATE, TX 75189-5044
Document Number	0000012907
Map Reference	CAB J SL 19
Instrument Date	Jul 13, 2017
Instrument	20170000012907
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 CALLAGHAN DR, FATE, TX 75189-5044

Mortgage

Document Number	0000012908
Date	Jul 14, 2017
Instrument	20170000012908

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 316 Callaghan Dr was $5,841 with a homeowner's exemption, down 6.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$403,876 (-11.42%) Land $95,000 Building $308,876	$403,876 (-11.42%) Land $95,000 Building $308,876
2025	$5,841.00 (-6.65%) Homeowner's exemption	$455,959 Land $107,000 Building $348,959	$455,959 Land $107,000 Building $348,959
2024	$6,257.00 (+17.68%)
2023	$5,317.00 Homeowner's exemption	$468,346 Land $110,000 Building $358,346	$468,346 Land $110,000 Building $358,346
2021	$6,151.00

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

Flood

FEMA maps place 316 Callaghan Dr in Zone X, an area of minimal flood risk, though there have been 2 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	7 in force
Nearby Flood Claims	2 (2018–2025)
Most Recent Claim	Jan 2025 · 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 316 Callaghan Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.01% 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	CITY OF FATE serves 29,285 people · EPA ID TX1990006
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Feb 2025
Lead	1 ppb (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	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. 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Peoples Communications Fiber · Fixed Wireless	1,000 / 1,000
Optimum Fiber · Cable	940 / 940
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: Nextlink.

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