401 Lake Dr, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 401 Lake Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	8 ba · 1,812 sqft · built 1972
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Company Names on Record
Last Sale	$281,300 (Mar 2018)
Tax Bill	$2,618 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`2030-0001-0300-50`

Property Details

APN / Parcel Number

Primary APN	`2030-0001-0300-50`
Alternative APNs	`R000025068` `232517`

Interior

Full Baths	8 Baths
Stories	1 Story
Building Area	1,812 sqft Living Area
1st Floor Area	1,311 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	10,629 sqft (0.244 acres)
Lot Dimensions	146 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	172 sqft
Patio Area	172 sqft
Shed	1 Shed
Shed Area	160 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	232517
Street Address	401 LAKE DR
City	TOOL
State	TX
Zip	75143-8462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AB 253 J M GARDNER SUR, ARNOLD HILLS SUBD, BLK 1 PT OF LTS 29 & 30
Legal Subdivision	ARNOLD HILLS
Legal Block	1
Legal Lot Number	29&30
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	1
Census Block	1021
Census Tract	950801

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	401 LAKE DR, TOOL, TX 75143-8462
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Mar 29, 2018	Vendor's Lien, Transfer · Conventional Mortgage NTFN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jan 23, 2017
Deed Document Number	20184397
Last Transfer Date	Oct 15, 2024
Transfer Doc	0000014791
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON TX
Property Address	401 LAKE DR, TOOL, TX 75143-8462
Transaction Type	Mortgage
Record Updated	Aug 4, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000010410
Date	Jul 22, 2020
Instrument	2020-00010410

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

March 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Mar 29, 2018
Property Address	401 LAKE DR, TOOL, TX 75143-8462
Document Number	201800004397
Map Reference	VOL2 PG101
Instrument Date	Mar 29, 2018
Instrument	2018-00004397
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	NOT AVAILABLE, COLONIAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 WILDWOOD DR, ARLINGTON, TX 76011-5056

Mortgage

Document Number	201800004398
Date	Mar 29, 2018
Instrument	2018-00004398

Lender

Name	NTFN INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$459,675 (+18.83%)	$631,218 (+4.27%) Land $188,325 Building $442,893
2024	$2,618.00 (-23.45%)
2023	$3,420.00 (-21.45%) Homeowner's exemption Senior Citizen's exemption	$386,834 Land $188,325 Building $417,037	$605,362 Land $188,325 Building $417,037
2022	$4,354.00

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 April 5, 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	324.0 ft
Flood Insurance Requirement	Required federally backed loans
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

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	0.02% 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 54 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, Verizon.

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