433 Oleander Dr, Fate (Royse City), TX 75189 Property Records

Rockwall County property record for 433 Oleander Dr, Fate, TX 75189

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,105 sqft · built 2019
Lot Size	0.251 acres (10,947 sqft)
Owner	2 Individual Names on File
Last Sale	$273,900 (Apr 2020)
Tax Bill	$2,987 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R97112`

Property Details

APN / Parcel Number

Primary APN	`R97112`
Alternative APNs	`S4382-000E-0001-00-0R` `97112`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,105 sqft Living Area
Gross Area	2,650 sqft
1st Floor Area	2,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,947 sqft (0.251 acres)
Lot Dimensions	131 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	102 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	433 OLEANDER DR
City	FATE
State	TX
Zip	75189-5176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE MEADOWS AT MORGAN CREEK PH 1, BLOCK E, LOT 1
Legal Subdivision	THE MEADOWS AT MORGAN CREEK PH 1
Legal Tract	1
Legal Block	E
Legal Lot Number	1
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	2
Census Block	2003
Census Tract	40411

Owner

433 Oleander Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	433 OLEANDER DR, FATE, TX 75189-5176
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
Aug 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2020	Quit Claim Deed, Transfer OTHER
Apr 3, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE SOLUTIONS/CO
Jul 31, 2019	Warranty Deed, Construction Loan · Construction Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on File
Deed Sale	Apr 3, 2020 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Deed Document Number	20206531
Prior Transfer Date	Mar 31, 2020
Prior Transfer Doc	0000006531
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	433 OLEANDER DR, FATE, TX 75189-5176
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022588
Date	Aug 26, 2021
Instrument	20210000022588

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Jun 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROCKWALL TX
Recording Date	Apr 3, 2020
Property Address	433 OLEANDER DR, FATE, TX 75189-5176
Document Number	0000006530
Instrument Date	Mar 31, 2020
Instrument	6530
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5763 S STATE HIGHWAY 205 #100 ROCKWALL TX 750322601, 100, ROCKWALL, TX 75032-2601
Investor	Possibly a Property Investor

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ROCKWALL TX
Recording Date	Apr 3, 2020
Property Address	433 OLEANDER DR, FATE, TX 75189-5176
Document Number	0000006531
Instrument Date	Mar 31, 2020
Instrument	6531
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 2, 2020
Title Company	OTHER

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	433 OLEANDER DR FATE TX 751895176, FATE, TX 75189-5176

Mortgage

Document Number	6532
Date	Apr 3, 2020
Instrument	6532

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2050

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROCKWALL TX
Recording Date	Jul 31, 2019
Property Address	433 OLEANDER DR, FATE, TX 75189-5176
Document Number	0000012771
Map Reference	CAB J SL 357
Instrument Date	Jul 30, 2019
Instrument	20190000012771
Transaction Type	Construction Loan
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5763 S STATE HIGHWAY 205100, 5763, ROCKWALL, TX 75032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5763 S STATE HIGHWAY 205 # 100, 100, ROCKWALL, TX 75032-2601
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012772
Date	Jul 31, 2019
Instrument	20190000012772

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 433 Oleander Dr was $2,987 with exemptions applied, down 27.1% from the year before.

Source: Rockwall County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Rockwall County
Municipality	Royse City
Unified School District	Royse City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$400,981 (+4.5%) Land $105,000 Building $295,981	$400,981 (+4.5%) Land $105,000 Building $295,981
2025	$2,987.00 (-27.15%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$383,703 Land $105,000 Building $278,703	$383,703 Land $105,000 Building $278,703
2024	$4,100.00 (-21.43%)
2023	$5,218.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$396,361 Land $120,750 Building $275,611	$396,361 Land $120,750 Building $275,611
2021	$5,542.00

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

Flood

FEMA maps place 433 Oleander Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · 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	7 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 433 Oleander Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Fiber · Cable	940 / 940
Peoples Communications Fixed Wireless	500 / 60
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless	100 / 100

May also be available: Nextlink, Rise Broadband.

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