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

Rockwall County property record for 555 Embargo Dr, Fate, TX 75189

Property Summary

Property Type	Single Family Home
Details	113 bd · 3 ba · 2,624 sqft · built 2022
Lot Size	0.101 acres (4,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,491 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R118380`

Property Details

APN / Parcel Number

Primary APN	`R118380`
Alternative APNs	`S3551-000F-0003-00-0R` `118380`

Interior

Stories	1 Story
Building Area	2,624 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	2,624 sqft
Flooring	Terrazzo
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	4,400 sqft (0.101 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	555 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 3
Legal Subdivision	EDGEWATER PHASE 1
Legal Block	F
Legal Lot Number	3
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHEAST ROCKWALL
Census Block Group	1
Census Block	1018
Census Tract	40409

Owner

555 Embargo Dr is owned and occupied by two individuals.

Source: Rockwall County records, as of October 13, 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	555 EMBARGO DR, FATE, TX 75189-8839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2023: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	Mar 13, 2023
Property Address	555 EMBARGO DR, FATE, TX 75189-8839
Document Number	0000003821
Map Reference	FILE 20220000008660
Instrument Date	Mar 10, 2023
Instrument	20230000003821
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
Address	5001 LYNDON B JOHNSON FWY STE 450, 450, DALLAS, TX 75244-6192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 EMBARGO DRIVE, ROCKWALL, TX 75087

Mortgage

Document Number	0000003822
Date	Mar 13, 2023
Instrument	20230000003822

Lender

Name	PROSPERITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	Other
Max Rate	9.99%

Tax Assessment & Valuation

The 2025 property tax bill for 555 Embargo Dr was $7,491 with a homeowner's exemption, down 20.4% 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		$421,369 (-7.82%) Land $80,000 Building $341,369	$421,369 (-7.82%) Land $80,000 Building $341,369
2025	$7,491.00 (-20.39%) Homeowner's exemption	$457,092 Land $126,000 Building $331,092	$457,092 Land $126,000 Building $331,092
2024	$9,410.00 (+28.55%)
2023	$7,320.00	$339,328 Land $140,000 Building $199,328	$339,328 Land $140,000 Building $199,328

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

Flood

FEMA maps place 555 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 555 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