535 Embargo Dr, Fate (Royse City), TX 75189 Property Records

Rockwall County property record for 535 Embargo Dr, Fate, TX 75189

Property Summary

Property Type	Single Family Home
Details	2,313 sqft · built 2022
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on File
Last Sale	$117,040 (May 2023)
Tax Bill	$6,572 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R118385`

Property Details

APN / Parcel Number

Primary APN	`R118385`
Alternative APNs	`S3551-000F-0008-00-0R` `118385`

Interior

Stories	1 Story
Building Area	2,313 sqft Living Area
Gross Area	2,823 sqft
1st Floor Area	2,313 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	4,400 sqft (0.101 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Covered Porch
Porch Area	156 sqft

Location & Zoning

Street Address	535 EMBARGO DR
City	FATE
State	TX
Zip	75189-8839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDGEWATER PHASE 1, BLOCK F, LOT 8
Legal Subdivision	EDGEWATER PHASE 1
Legal Block	F
Legal Lot Number	8
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	1
Census Block	1018
Census Tract	40409

Owner

535 Embargo Dr is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	535 EMBARGO DR, FATE, TX 75189-8839
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Deed Document Number	20238102
Record Updated	Sep 20, 2026

May 2023: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	May 19, 2023
Property Address	535 EMBARGO DR, FATE, TX 75189-8839
Document Number	0000008102
Map Reference	FILE 20220000008660
Instrument Date	May 17, 2023
Instrument	20230000008102
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 EMBARGO DR, FATE, TX 75189-8839

Mortgage

Document Number	0000008103
Date	May 19, 2023
Instrument	20230000008103

Lender

Name	NAVY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jun 1, 2028
Change Frequency	5 Years
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	5-Year TN
Margin	2
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 535 Embargo Dr was $6,572 with a homeowner's exemption, down 9.3% 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	Rockwall Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$382,132 (-4.46%) Land $80,000 Building $302,132	$382,132 (-4.46%) Land $80,000 Building $302,132
2025	$6,572.00 (-9.28%) Homeowner's exemption	$399,954 Land $126,000 Building $273,954	$399,954 Land $126,000 Building $273,954
2024	$7,244.00 (+7.43%)
2023	$6,743.00	$342,734 Land $140,000 Building $202,734	$342,734 Land $140,000 Building $202,734

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

Flood

FEMA maps place 535 Embargo Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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
Nearby Flood Claims	2 (2018–2025)
Most Recent Claim	Jan 2025 · rainfall accumulation

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 535 Embargo Dr is moderate, ranking above 45% 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 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% 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	BLACKLAND WSC serves 6,171 people · EPA ID TX1990004
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2022
Lead	Under 1 ppb (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	4 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable · Fiber in parts of the area	940 / 35
Nextlink Fixed Wireless	500 / 100
Peoples Communications Fixed Wireless · Fiber in parts of the area	500 / 60
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20