551 Bradley Dr, Fate (Rockwall), TX 75087 Property Records

Rockwall County property record for 551 Bradley Dr, Fate, TX 75087

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,258 sqft · built 2020
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$320,400 (Apr 2021)
Tax Bill	$9,504 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R101889`

Property Details

APN / Parcel Number

Primary APN	`R101889`
Alternative APNs	`S5373-000A-0027-00-0R` `101889`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,258 sqft Living Area
Gross Area	2,798 sqft
1st Floor Area	2,258 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	551 BRADLEY DR
City	ROCKWALL
State	TX
Zip	75087-0530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODCREEK PHASE 9C-3, BLOCK A, LOT 27, ACRES .0
Legal Subdivision	WOODCREEK PHASE 9C-3
Legal Phase	9C
Legal Tract	27
Legal Block	A
Legal Lot Number	27
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	2
Census Block	2005
Census Tract	40407

Owner

551 Bradley Dr is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	551 BRADLEY DR, ROCKWALL, TX 75087-0530
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
Apr 9, 2021	Vendor's Lien, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 3, 2020	Loan Modification, Mortgage · Line of Credit CITY BK
Sep 23, 2020	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Deed Document Number	20218369
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	0000008369
Record Updated	Sep 20, 2026

April 2021: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	Apr 9, 2021
Property Address	551 BRADLEY DR, FATE, TX 75087-0530
Document Number	0000008369
Map Reference	FILE 20190000017791
Instrument Date	Mar 30, 2021
Instrument	20210000008369
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 18, 2022
Title Company	AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 LYNDON B JOHNSON FWY STE 450, 5001, DALLAS, TX 75244-6192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 BRADLEY DR, FATE, TX 75087-0530

Mortgage

Document Number	0000008370
Date	Apr 9, 2021
Instrument	20210000008370

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROCKWALL TX
Property Address	551 BRADLEY DR, FATE, TX 75087-0530
Document Number	0000022069
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5005 LYNDON B JOHNSON FWY #350 DALLAS TX 752446147, 350, DALLAS, TX 75244-6147

Mortgage

Document Number	0000022069
Date	Sep 23, 2020
Instrument	22069

Lender

Name	CITY BK
Type	Bank
Address	2525 MCKINNON ST # 100, DALLAS, TX 75201-1542

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROCKWALL TX
Recording Date	Sep 23, 2020
Property Address	551 BRADLEY DR, FATE, TX 75087-0530
Document Number	0000022068
Instrument Date	Sep 3, 2020
Instrument	22068
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5005 LYNDON B JOHNSON FWY #350 DALLAS TX 752446147, 350, DALLAS, TX 75244-6147

Tax Assessment & Valuation

The 2025 property tax bill for 551 Bradley Dr was $9,504 with a homeowner's exemption, down 2.3% 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	Royse City Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$384,344 (-14.44%) Land $76,500 Building $307,844	$384,344 (-14.44%) Land $76,500 Building $307,844
2025	$9,504.00 (-2.28%) Homeowner's exemption	$449,220 Land $95,000 Building $354,220	$449,220 Land $95,000 Building $354,220
2024	$9,726.00 (-20.6%)
2023	$12,249.00	$480,804 Land $114,000 Building $366,804	$480,804 Land $114,000 Building $366,804
2021	$2,345.00

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

Flood

FEMA maps place 551 Bradley Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 551 Bradley 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	CITY OF FATE serves 29,285 people · EPA ID TX1990006
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Feb 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 410 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
Verizon Fixed Wireless	300 / 20
Peoples Communications Fixed Wireless	150 / 30

May also be available: Hotwire Communications, Nextlink, Wi-Five Broadband.

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