Rockwall County property record for 540 Embargo Dr, Fate, TX 75189
| Property Type | Single Family Home |
|---|---|
| Details | 3,031 sqft · built 2022 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,094 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R118371 |
| Primary APN | R118371 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,031 sqft Living Area |
| Gross Area | 3,635 sqft |
| 1st Floor Area | 3,031 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 4,400 sqft (0.101 acres) |
| Garage Type | Attached |
| Garage Area | 490 sqft |
| Porch | Covered Porch |
| Porch Area | 224 sqft |
| Street Address | 540 EMBARGO DR |
|---|---|
| City | FATE |
| State | TX |
| Zip | 75189-8840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER PHASE 1, BLOCK E, LOT 19 |
| Legal Subdivision | EDGEWATER PHASE 1 |
| Legal Block | E |
| Legal Lot Number | 19 |
| Jurisdiction | ROCKWALL TX |
| Township / Civil Division | NORTHEAST ROCKWALL |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 40409 |
540 Embargo Dr is owned and occupied by two individuals.
Source: Rockwall County records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 EMBARGO DR, FATE, TX 75189-8840 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | ROCKWALL TX |
| Recording Date | Aug 2, 2023 |
| Property Address | 540 EMBARGO DR, FATE, TX 75189-8840 |
| Document Number | 0000012796 |
| Map Reference | DOC 20220000008660 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 20230000012796 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | CAPITAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2400 DALLAS PKWY STE 460, 460, PLANO, TX 75093-4381 |
| Name | Verified Name |
|---|---|
| Address | 540 EMBARGO DR, FATE, TX 75189-8840 |
| Document Number | 0000012797 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 20230000012797 |
| Name | VELOCIO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 540 Embargo Dr was $8,094 with a homeowner's exemption, down 9.7% from the year before.
Source: Rockwall County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Fate City |
| County | Rockwall County |
| Unified School District | Rockwall Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $479,778 (-2.99%) Land $80,000 Building $399,778 | $479,778 (-2.99%) Land $80,000 Building $399,778 | |
| 2025 | $8,094.00 (-9.72%) Homeowner's exemption | $494,558 Land $126,000 Building $368,558 | $494,558 Land $126,000 Building $368,558 |
| 2024 | $8,965.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 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 risk around 540 Embargo Dr is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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 |
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