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

Henderson County property record for 420 Ridgewood Dr, Tool, TX 75143

Property Summary

Property TypeSingle Family Home
Details960 sqft · built 1983
OwnerIndividual Name on File
Tax Bill$1,372 (2023)
Deeds & MortgagesJan 2023 Mortgage
Mar 2023 Transfer
Flood ZoneZone X (minimal risk)
APN2355-0000-1130-63

Property Details

APN / Parcel Number

Primary APN2355-0000-1130-63
Alternative APNs
  • R000033377
  • 240826

Interior

Building Area960 sqft Living Area
1st Floor Area960 sqft

Exterior

Year BuiltBuilt 1983
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR000033377
Old Parcel Number2355.0000.1130.63
Street Address420 RIDGEWOOD DR
CityTOOL
StateTX
Zip75143-2339
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 113 AB 360 G HANCOCK SUR, CEDARCREST SHORES ESTS, LT 113, B/62
Legal SubdivisionCEDAR CREST SHORES (508)
Legal Lot Number113
JurisdictionHENDERSON TX
Township / Civil DivisionCEDAR CREEK LAKE
Census Block Group2
Census Block2015
Census Tract950801

Owner

420 Ridgewood Dr is owned and occupied by an individual who acquired it in March 2023.

Source: Henderson County records, as of April 1, 2024

Owner of RecordIndividual Name on File
Mailing Address420 RIDGEWOOD DR, TOOL, TX 75143-2339
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 3, 2023Vendor's Lien, Transfer · Conventional Mortgage
WATERMARK CAPITAL INC
Mar 1, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 3, 2023
Deed SaleJan 3, 2023
Prior SaleJan 3, 2023
Deed Document Number202300000003
Last Transfer DateMar 1, 2023
Transfer Doc202300002802
Record UpdatedJun 7, 2026

January 2023: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionHENDERSON TX
Recording DateJan 3, 2023
Property Address420 RIDGEWOOD DR, TOOL, TX 75143-2339
Document Number202300000003
Map ReferenceVOL 3 PG 25
Instrument DateDec 30, 2022
Instrument2023-00000003
Transaction TypeTransfer
Record UpdatedJan 23, 2023
Title CompanyNOT AVAILABLE, BNT OF TEXAS LLC

Transaction

Tax$0.00
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 RIDGEWOOD DR, TOOL, TX 75143-2339

Mortgage

Document Number202300000004
DateJan 3, 2023
Instrument2023-00000004
Lender
NameWATERMARK CAPITAL INC
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2053

March 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHENDERSON TX
Recording DateMar 1, 2023
Property Address420 RIDGEWOOD DR, TOOL, TX 75143-2339
Document Number202300002802
Map ReferenceVOL 3 PG 25
Instrument DateDec 21, 2022
Instrument2023-00002802
Transaction TypeTransfer
Record UpdatedMar 22, 2023

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address404 CROSS ROADS HWY, MALAKOFF, TX 75148-9340

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 RIDGEWOOD DR, TOOL, TX 75143-2339

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of July 25, 2023

Property Jurisdictions

TypeName
StateTexas
CountyHenderson County
MunicipalityTool City
Unified School DistrictMalakoff Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$1,372.00 (-77.44%) Homeowner's exemption Senior Citizen's exemption$145,646 Land $5,000 Building $140,646$145,646 Land $5,000 Building $140,646
2022$6,081.00

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

Flood

FEMA maps place 420 Ridgewood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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

Wildfire risk around 420 Ridgewood Dr is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 82% of Texas
Wildfire Likelihood0.06% annual chance
ExposureNone
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 SystemWEST CEDAR CREEK MUD
serves 24,414 people · EPA ID TX1070190
Water SourceSurface water
Last State InspectionOct 2024
Lead2 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Optimum
Cable		940 / 35

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

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