407 Laurel Ln, Fate (Rockwall), TX 75087 Property Records

Rockwall County property record for 407 Laurel Ln, Fate, TX 75087

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,186 sqft · built 2008
Lot Size	0.218 acres (9,496 sqft)
Owner	Individual Name on File
Last Sale	$189,100 (Mar 2016)
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`5153000D0027000R`

Property Details

APN / Parcel Number

Primary APN	`5153000D0027000R`
Alternative APNs	`R79049` `79049`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,186 sqft Living Area
Gross Area	2,610 sqft
1st Floor Area	2,186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,496 sqft (0.218 acres)
Lot Dimensions	136 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	10 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	407 LAUREL LN
City	FATE
State	TX
Zip	75087-9309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING MEADOW PHASE 2, BLOCK D, LOT 27
Legal Subdivision	SPRING MEADOW PHASE 2
Legal Phase	2
Legal Tract	27
Legal Block	D
Legal Lot Number	27
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	2
Census Block	2006
Census Tract	40404

Owner

407 Laurel Ln is owned and occupied by an individual who bought it in March 2016.

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

Owner of Record	Individual Name on File
Mailing Address	407 LAUREL LN, FATE, TX 75087-9309
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 2, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 2, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2016 · Amount on File
Deed Sale	Mar 18, 2016 · Amount on File
Prior Sale	Dec 26, 2008 · Amount on File
Deed Document Number	20164253
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	407 LAUREL LN, FATE, TX 75087-9309
Document Number	0000008478
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LAUREL LN FATE TX 750879309, FATE, TX 75087-9309

Mortgage

Document Number	0000008478
Date	Apr 27, 2020
Instrument	8478

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROCKWALL TX
Property Address	407 LAUREL LN, FATE, TX 75087-9309
Document Number	0000008479
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LAUREL LN FATE TX 750879309, FATE, TX 75087-9309

Mortgage

Document Number	0000008479
Date	Apr 27, 2020
Instrument	8479

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 407 Laurel Ln was $2,314 with exemptions applied, down 43.8% 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	Royse City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$286,676 (-8.66%) Land $84,960 Building $201,716	$286,676 (-8.66%) Land $84,960 Building $201,716
2025	$2,314.00 (-43.79%) Homeowner's exemption Disabled Person's exemption Additional exemption filed	$313,856 Land $109,740 Building $204,116	$313,856 Land $109,740 Building $204,116
2024	$4,117.00 (+11.12%)
2023	$3,705.00 Homeowner's exemption	$339,111 Land $147,500 Building $191,611	$339,111 Land $147,500 Building $191,611
2021	$4,821.00

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

Flood

FEMA maps place 407 Laurel Ln 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 AE, 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 407 Laurel Ln 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 64% of the US · lower than 88% 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.

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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Peoples Communications Fiber · Fixed Wireless	1,000 / 1,000
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Wi-Five Broadband.

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