405 Heritage St, Rockwall, TX 75087 Property Records

Rockwall County property record for 405 Heritage St, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,661 sqft · built 1989
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$206,000 (Aug 2017)
Tax Bill	$3,498 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3890000B00B7000R`

Property Details

APN / Parcel Number

Primary APN	`3890000B00B7000R`
Alternative APNs	`R17180` `17180`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,661 sqft Living Area
Gross Area	2,273 sqft
1st Floor Area	1,661 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	227 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	405 HERITAGE ST
City	ROCKWALL
State	TX
Zip	75087-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF2
Legal Description	HIGHLAND HILLS, BLOCK B, LOT B7
Legal Subdivision	HIGHLAND HILLS
Legal Tract	B7
Legal Block	B
Legal Lot Number	B7
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	3
Census Block	3020
Census Tract	40101

Owner

405 Heritage St is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 HERITAGE ST, ROCKWALL, TX 75087-2842
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
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 15, 2019	Deed of Trust, Mortgage LOANSOURCE R/E LNS
Aug 17, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2017 · Amount on File
Deed Sale	Aug 17, 2017 · Amount on File
Prior Sale	Jun 29, 2005 · Amount on File
Deed Document Number	201715532
Prior Transfer Date	Aug 16, 2017
Prior Transfer Doc	0000015532
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	405 HERITAGE ST, ROCKWALL, TX 75087-2842
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020999
Date	Sep 8, 2020
Instrument	20200000020999

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	405 HERITAGE ST, ROCKWALL, TX 75087-2842
Document Number	0000011867
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 HERITAGE ST ROCKWALL TX 750872842, ROCKWALL, TX 75087-2842

Mortgage

Document Number	0000011867
Date	Jul 19, 2019
Instrument	11867

Lender

Name	LOANSOURCE R/E LNS
Type	Funding / Finance Company
Address	RICHARDSON, TX 75081

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKWALL TX
Recording Date	Aug 17, 2017
Property Address	405 HERITAGE ST, ROCKWALL, TX 75087-2842
Document Number	0000015532
Instrument Date	Aug 16, 2017
Instrument	15532
Transaction Type	Transfer
Record Updated	Sep 15, 2017

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	405 HERITAGE ST ROCKWALL TX 750872842, ROCKWALL, TX 75087-2842

Mortgage

Document Number	15533
Date	Aug 17, 2017
Instrument	15533

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 405 Heritage St was $3,498 with a homeowner's exemption, down 2.9% 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		$330,000 (+4.15%) Land $181,500 Building $148,500	$330,000 (-2.35%) Land $181,500 Building $148,500
2025	$3,498.00 (-2.91%) Homeowner's exemption	$316,864	$337,944 Land $192,000 Building $145,944
2024	$3,603.00 (+16.98%)
2023	$3,080.00 Homeowner's exemption	$381,638 Land $195,000 Building $186,638	$381,638 Land $195,000 Building $186,638
2021	$3,873.00

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

Flood

FEMA maps place 405 Heritage St 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 October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 Heritage St is low, with less than 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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 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 453 locations within half a mile, as of December 31, 2025

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

May also be available: Nextlink, Verizon.

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