Henderson County property record for 405 Winding Shore Dr, Tool, TX 75143
| Property Type | Single Family Home |
|---|---|
| Details | 1,200 sqft · built 2005 |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,393 (2023) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2965-0001-0310-63 |
| Primary APN | 2965-0001-0310-63 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,200 sqft Living Area |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R000047448 |
|---|---|
| Old Parcel Number | 2965.0001.0310.63 |
| Street Address | 405 WINDING SHORE DR |
| City | TOOL |
| State | TX |
| Zip | 75143-2204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 31 & N AB 659 N G RUSSELL SUR, HEATHER WOODS #1, BLK A LT 31 & N/2 LT 30 |
| Legal Subdivision | HEATHER WOODS I (127) |
| Legal Block | A |
| Legal Lot Number | 31,N |
| Jurisdiction | HENDERSON TX |
| Township / Civil Division | CEDAR CREEK LAKE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950801 |
405 Winding Shore Dr is owned and occupied by two individuals who acquired it in October 1994.
Source: Henderson County records, as of April 1, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 WINDING SHORE DR, TOOL, TX 75143-2204 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 1994 |
| Deed Sale | Oct 1, 1994 |
| Deed Document Number | 0001561575 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON TX |
| Property Address | 405 WINDING SHORE DR, TOOL, TX 75143-2204 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | NOT AVAILABLE, COLONIAL TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 202100004783 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 2021-00004783 |
| Name | FIRST NATIONAL BANK OF KEMP |
|---|---|
| Type | Bank |
| Address | KEMP, TX 75143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Henderson County assessment roll, as of July 25, 2023
| Type | Name |
|---|---|
| State | Texas |
| County | Henderson County |
| Municipality | Tool City |
| Unified School District | Malakoff Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,393.00 (-65.18%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $573,523 Land $330,000 Building $379,040 | $709,040 Land $330,000 Building $379,040 |
| 2022 | $18,361.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Winding Shore Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 risk around 405 Winding Shore 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 94% of the US · lower than 97.1% of Texas |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Nextlink Fixed Wireless | 500 / 100 |
| Conquest Wireless Fixed Wireless | 175 / 50 |
May also be available: Brightspeed, Verizon.
5G (outdoors only) and 4G LTE
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