407 Ridgewood Dr, Tool (Kemp), TX 75143 Property Records

Henderson County property record for 407 Ridgewood Dr, Tool, TX 75143

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 1997
Lot Size	0.117 acres (5,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,600 (Oct 2021)
Tax Bill	$1,739 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2355-0000-3030-63`

Property Details

APN / Parcel Number

Primary APN	`2355-0000-3030-63`
Alternative APNs	`R000033511` `240960`

Interior

Stories	2 Stories
Building Area	1,316 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	980 sqft
2nd Floor Area	336 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,083 sqft (0.117 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	28 sqft

Location & Zoning

Account Number	240960
Street Address	407 RIDGEWOOD DR
City	TOOL
State	TX
Zip	75143-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 303 AB 360 G HANCOCK SUR, CEDARCREST SHORES ESTS, LT 303, B/62
Legal Subdivision	CEDAR CREST SHORES
Legal Lot Number	303
Jurisdiction	HENDERSON TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	2
Census Block	2024
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 Individual Names on Record
Mailing Address	407 RIDGEWOOD DR, TOOL, TX 75143-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Vendor's Lien, Transfer · Conventional Mortgage WILLOW BEND MORTGAGE CO
Aug 1, 2017	Vendor's Lien, Transfer · Seller Carry-Back MICHAEL MCCORD ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Prior Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	202120750
Prior Transfer Date	Jun 4, 2017
Prior Transfer Doc	0000008646
Record Updated	Oct 29, 2026

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Oct 26, 2021
Property Address	407 RIDGEWOOD DR, TOOL, TX 75143-2340
Document Number	202100020750
Map Reference	VOL 3 PG 45
Instrument Date	Oct 22, 2021
Instrument	2021-00020750
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 RIDGEWOOD DR, 407, TOOL, TX 75143-2340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 RIDGEWOOD DR, TOOL, TX 75143-2340

Mortgage

Document Number	202100020751
Date	Oct 26, 2021
Instrument	2021-00020751

Lender

Name	WILLOW BEND MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HENDERSON TX
Recording Date	Aug 1, 2017
Property Address	407 RIDGEWOOD DR, TOOL, TX 75143-2340
Document Number	201700011664
Map Reference	VOL3 PG45
Instrument Date	Aug 1, 2017
Instrument	2017-00011664
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	NOT AVAILABLE, COLONIAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2112 S 3RD ST, 2112, MABANK, TX 75147-7323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 RIDGEWOOD DR, TOOL, TX 75143-2340

Mortgage

Document Number	201700011665
Date	Aug 1, 2017
Instrument	2017-00011665

Lender

Name	MICHAEL MCCORD ETAL
Type	Seller
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$189,030 (+6.76%) Land $5,000 Building $184,030	$189,030 (+6.76%) Land $5,000 Building $184,030
2024	$1,739.00 (-4.76%)
2023	$1,826.00 (-79.55%) Homeowner's exemption Senior Citizen's exemption	$177,055 Land $5,000 Building $172,055	$177,055 Land $5,000 Building $172,055
2022	$8,931.00

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 X minimal risk
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.1% 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	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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: Brightspeed, Conquest Wireless, Nextlink, Verizon.

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