Rockwall County property record for 965 Garner Dr, Fate, TX 75087
| Property Type | Single Family Home |
|---|---|
| Details | 1,853 sqft |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,989 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R118930 |
| Primary APN | R118930 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,853 sqft Living Area |
| Gross Area | 2,342 sqft |
| 1st Floor Area | 1,853 sqft |
| Lot Area | 5,750 sqft (0.132 acres) |
|---|---|
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Covered Porch |
| Porch Area | 114 sqft |
| Street Address | 965 GARNER DR |
|---|---|
| City | ROCKWALL |
| State | TX |
| Zip | 75087-0598 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODCREEK PHASE 9D-2, BLOCK Q, LOT 16 |
| Legal Subdivision | WOODCREEK PHASE 9D-2 |
| Legal Block | Q |
| Legal Lot Number | 16 |
| Jurisdiction | ROCKWALL TX |
| Township / Civil Division | NORTHEAST ROCKWALL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 40407 |
965 Garner Dr is owned and occupied by two individuals.
Source: Rockwall County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 965 GARNER DR, ROCKWALL, TX 75087-0598 |
| 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 |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | ROCKWALL TX |
| Recording Date | Jan 4, 2024 |
| Property Address | 965 GARNER DR, FATE, TX 75087-0598 |
| Document Number | 0000000205 |
| Map Reference | FILE 20220000018371 |
| Instrument Date | Dec 20, 2023 |
| Instrument | 20240000000205 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | LENNAR TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 965 GARNER DR, FATE, TX 75087-0598 |
| Document Number | 0000000206 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 20240000000206 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
The 2025 property tax bill for 965 Garner Dr was $6,989 with a homeowner's exemption, up 46.1% 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 | Royse City Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $330,156 (-5.37%) Land $76,500 Building $253,656 | $330,156 (-5.37%) Land $76,500 Building $253,656 | |
| 2025 | $6,989.00 (+46.12%) Homeowner's exemption | $348,888 Land $70,000 Building $278,888 | $348,888 Land $70,000 Building $278,888 |
| 2024 | $4,783.00 | ||
| 2023 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 965 Garner 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 risk around 965 Garner Dr is moderate, ranking above 47% 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 47% of the US · lower than 79% 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 | 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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures