Henderson County property record for 728 Ridgewood Dr, Tool, TX 75143
| Property Type | Single Family Home |
|---|---|
| Details | 1,064 sqft · built 2008 |
| Owner | Individual Name on File |
| Tax Bill | $3,169 (2023) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2355-0000-0880-63 |
| Primary APN | 2355-0000-0880-63 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,064 sqft Living Area |
|---|---|
| 1st Floor Area | 1,064 sqft |
| Year Built | Built 2008 |
|---|---|
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 192 sqft |
| Deck Area | 24 sqft |
| Patio Area | 104 sqft |
| Account Number | R000033360 |
|---|---|
| Old Parcel Number | 2355.0000.0880.63 |
| Street Address | 728 RIDGEWOOD DR |
| City | TOOL |
| State | TX |
| Zip | 75143-2345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 88 AB 360 G HANCOCK SUR, CEDARCREST SHORES ESTS, LT 88 |
| Legal Subdivision | CEDAR CREST SHORES (508) |
| Legal Lot Number | 88 |
| Jurisdiction | HENDERSON TX |
| Township / Civil Division | CEDAR CREEK LAKE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 950801 |
728 Ridgewood Dr is owned and occupied by an individual who acquired it in December 2020.
Source: Henderson County records, as of April 1, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 728 RIDGEWOOD DR, TOOL, TX 75143-2345 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2020 |
| Deed Sale | Dec 4, 2020 |
| Prior Sale | Mar 18, 2013 |
| Deed Document Number | 2020-00019484 |
| Record Updated | Jun 7, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | HENDERSON TX |
| Recording Date | Dec 4, 2020 |
| Property Address | 728 RIDGEWOOD DR, TOOL, TX 75143-2345 |
| Document Number | 202000019484 |
| Map Reference | VOL 3 PG 25 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020-00019484 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2023 |
| Title Company | CEDAR CRK TITLE COMPANY, CEDAR CREEK TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1884 FM 3080, KEMP, TX 75143 |
| Name | Verified Name |
|---|---|
| Address | 728 RIDGEWOOD DR, TOOL, TX 75143-2345 |
| Document Number | 202000019485 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | 2020-00019485 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
Source: Henderson County assessment roll, as of July 25, 2023
| 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 |
|---|---|---|---|
| 2023 | $3,169.00 (-49.75%) | $175,399 Land $5,000 Building $170,399 | $175,399 Land $5,000 Building $170,399 |
| 2022 | $6,306.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 Ridgewood Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 728 Ridgewood Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% 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 | 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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