401 Emerson Dr, Rockwall, TX 75087 Property Records

Rockwall County property record for 401 Emerson Dr, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,684 sqft · built 2018
Lot Size	0.508 acres (22,137 sqft)
Owner	2 Individual Names on File
Last Sale	$212,500 (Nov 2018)
Tax Bill	$10,118 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R90393`

Property Details

APN / Parcel Number

Primary APN	`R90393`
Alternative APNs	`S5112-000A-0013-00-0R` `90393`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,684 sqft Living Area
Gross Area	3,813 sqft
1st Floor Area	2,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,137 sqft (0.508 acres)
Lot Dimensions	138 ft deep x 161 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	371 sqft
Patio Area	150 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	401 EMERSON DR
City	ROCKWALL
State	TX
Zip	75087-0140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONE CREEK PHASE VII, BLOCK A, LOT 13
Legal Subdivision	STONE CREEK PHASE VII
Legal Tract	13
Legal Block	A
Legal Lot Number	13
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	1
Census Block	1027
Census Tract	40202

Owner

401 Emerson Dr is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 EMERSON DR, ROCKWALL, TX 75087-0140
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
Apr 28, 2021	Deed of Trust, Mortgage · FHA Mortgage THE AMERICAN NATIONAL BANK OF TEXAS
Jan 21, 2020	Deed of Trust, Mortgage QUICKEN LNS
Nov 19, 2018	Grant Deed, Subdivision Related Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on File
Deed Sale	Nov 19, 2018 · Amount on File
Deed Document Number	201820496
Prior Transfer Date	Nov 14, 2018
Prior Transfer Doc	0000020496
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	401 EMERSON DR, ROCKWALL, TX 75087-0140
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010416
Date	Apr 28, 2021
Instrument	20210000010416

Lender

Name	THE AMERICAN NATIONAL BANK OF TEXAS
Type	Bank
Address	TERRELL, TX 75160

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	401 EMERSON DR, ROCKWALL, TX 75087-0140
Document Number	0000001556
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 EMERSON DR ROCKWALL TX 750870140, ROCKWALL, TX 75087-0140

Mortgage

Document Number	0000001556
Date	Jan 27, 2020
Instrument	1556

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ROCKWALL TX
Recording Date	Nov 19, 2018
Property Address	401 EMERSON DR, ROCKWALL, TX 75087-0140
Document Number	0000020496
Instrument Date	Nov 14, 2018
Instrument	20496
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 EMERSON DR ROCKWALL TX 75087, ROCKWALL, TX 75087

Mortgage

Document Number	20497
Date	Nov 19, 2018
Instrument	20497

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 401 Emerson Dr was $10,118, down 5.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$636,949 (-0.83%) Land $133,860 Building $503,089	$636,949 (-0.83%) Land $133,860 Building $503,089
2025	$10,118.00 (-5.15%)	$642,300 Land $133,860 Building $508,440	$642,300 Land $133,860 Building $508,440
2024	$10,667.00 (+8.23%)
2023	$9,856.00	$629,608 Land $160,000 Building $469,608	$629,608 Land $160,000 Building $469,608
2021	$7,789.00

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

Flood

FEMA maps place 401 Emerson Dr in Zone X, an area of minimal flood risk.

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	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 401 Emerson 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 80% of the US · lower than 94% 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 ROCKWALL serves 55,250 people · EPA ID TX1990001
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Jul 2023
Lead	2 ppb (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	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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Novos Fiber.

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