Henderson County property record for 521 Hilltop Dr, Tool, TX 75143
| Property Type | Single Family Home |
|---|---|
| Details | 7 ba · 912 sqft · built 1984 |
| Lot Size | 0.238 acres (10,354 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $399 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 2355-0000-4250-63 |
| Primary APN | 2355-0000-4250-63 |
|---|---|
| Alternative APNs |
|
| Full Baths | 7 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 924 sqft |
| 1st Floor Area | 912 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 10,354 sqft (0.238 acres) |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 12 sqft |
| Storage Building | 80 sqft |
| Account Number | 241045 |
|---|---|
| Street Address | 521 HILLTOP DR |
| City | TOOL |
| State | TX |
| Zip | 75143-2316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 425 & 426 AB 360 G HANCOCK SUR, CEDARCREST SHORES ESTS, LTS 425 & 426 |
| Legal Subdivision | CEDAR CREST SHORES |
| Legal Lot Number | 425,4 |
| Jurisdiction | HENDERSON TX |
| Township / Civil Division | CEDAR CREEK LAKE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 950801 |
521 Hilltop Dr is owned and occupied by an individual who acquired it in May 2021.
Source: Henderson County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 521 HILLTOP DR, TOOL, TX 75143-2316 |
| 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.
| Date | Document |
|---|---|
| Jun 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS |
| May 27, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 1986 |
| Deed Sale | Dec 1, 1986 |
| Deed Book / Page | 1181 / 725 |
| Last Transfer Date | May 14, 2021 |
| Transfer Doc | 0000009919 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON TX |
| Property Address | 521 HILLTOP DR, TOOL, TX 75143-2316 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | FIDELITY NATIONAL TITLE AGCY |
| Name | Verified Name |
|---|
| Document Number | 202200011927 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 2022-00011927 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HENDERSON TX |
| Recording Date | May 27, 2021 |
| Property Address | 521 HILLTOP DR, TOOL, TX 75143-2316 |
| Document Number | 202100009919 |
| Instrument Date | May 14, 2021 |
| Instrument | 2021-00009919 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 HILLTOP DR, TOOL, TX 75143-2316 |
The 2025 property tax bill for 521 Hilltop Dr was $399 with exemptions applied, up 5.6% from the year before.
Source: Henderson County assessment roll, as of September 17, 2025
| 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 |
|---|---|---|---|
| 2025 | $399.00 (+5.56%) Homeowner's exemption Senior Citizen's exemption | $73,533 Land $5,000 Building $68,533 | $73,533 Land $5,000 Building $68,533 |
| 2024 | $378.00 (+7.08%) | ||
| 2023 | $353.00 (+24.3%) Homeowner's exemption Senior Citizen's exemption | $61,178 Land $5,000 Building $63,577 | $68,577 Land $5,000 Building $63,577 |
| 2022 | $284.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Hilltop Dr 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 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 500 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 521 Hilltop 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 Risk | Moderate above 44% of the US · lower than 82% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 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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