- Henderson County
- Kemp TX
- 75143
- Acreage
- Local Area: River Ranch Sub 18
Property Overview
Room to roam, wildlife to enjoy, and space to make it your own! Situated on approximately 40.7 acres in Kemp, 10964 River Ranch Rd offers an opportunity to embrace country living on a property with a character all its own. Frequent deer sightings bring the landscape to life and make time outdoors part of the appeal. Imagine mornings watching wildlife, afternoons exploring your acreage, and evenings unwinding away from the daily rush. Whether you envision a full-time country home or a weekend escape, this property offers room to spread out and enjoy a change of pace. Come explore River Ranch Rd and discover the possibilities.
Featured spaces
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Property highlights
Year Built 1992
School District Kemp Isd
HOA No HOA
Parking Driveway
Architecture Traditional, Detached
Acreage Estate 40.7 acres
Fireplace 1 Fireplaces
Neighborhood River Ranch Sub 18
Full Property Details
Property Details
Quick Details
- Price $655,000
- Status Active
- Bedrooms 3
- Bathrooms 3
- Square Feet 2,472 Sq Ft
- Lot Size 40.7 acres
- Lot Size Sq Ft 1,772,892
- Year Built 1992
- Price / Sq Ft $265 / Sq Ft
- MLS # 21395067
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- Property Condition Resale
- County Henderson
- Subdivision River Ranch Sub 18
- Days on Market 9
Home Details
- Architectural Style Traditional, Detached
- Stories 2
- Levels Two
- Full Baths 3
- Half Baths 0
- Foundation Pillar Post Pier
- Roof Composition
- Flooring Carpet, Luxury Vinyl Plank
- Heating Central, Electric, Fireplaces
- Cooling Central Air, Ceiling Fans
- Property Attached Yes
Kitchen & Interior
- Appliances Dishwasher, Electric Oven, Disposal, Microwave
- Interior Features Eat In Kitchen, Kitchen Island, Vaulted Ceilings
- Laundry Features Laundry In Utility Room
- Fireplaces 1
- Fireplace Features Masonry
Lot & Exterior
- Lot Features Acreage, Interior Lot, Irregular Lot, Many Trees, Waterfront
- Exterior Features Barbecue
- Patio & Porch Features Covered
- Pool No
- Waterfront Features River Front, Waterfront
Parking
- Parking Driveway
- Garage Spaces 0
- Covered Parking 0
- Attached Garage No
Taxes & HOA
- Annual Taxes $9,099
- Parcel Number 39550000018085
- Legal Description AB 386 J IRWIN SUR, RIVER RANCH TR 18
Utilities
- Utilities Septic Available, Water Available
- Water Community Coop, Rural
- Sewer Septic Tank
Schools
- School District Kemp ISD
- Elementary Kemp — Kemp ISD
- Middle Kemp — Kemp ISD
- High Kemp — Kemp ISD
Listing Information
- Listing Agent Stacey Goodman
- Brokerage eXp Realty, LLC
- MLS Board NTREIS
- List Date 09/24/2026
- Source Updated 10/10/2026
- Last Updated 10/10/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 10964 River Ranch Road
Henderson CAD (Pritchard & Abbott) records for 10964 River Ranch Road, Kemp, TX 75143 show a CAD market value of $697,161 and a net appraised value of $562,161. CAD values are used for property-tax purposes and may differ from the property's current list price or eventual sale price.
TAX INFO FOR NORMAL PEOPLE
A plain-English look at Henderson CAD (Pritchard & Abbott) property-tax and appraisal records for 10964 River Ranch Road, Kemp, TX 75143, including CAD market value, appraised value, exemptions, taxing entities, improvement records, and value history.
View Official Henderson CAD (Pritchard & Abbott) Property Record
1. CAD Big Picture: Land + Improvements = Market Value
This shows what the CAD market value is made of. Appraisal districts usually separate value between the land and the improvements. Improvements may include the home, garages, shops, patios, pools, decks, storage, and other structures.
Land Value $315,934 + Improvement Value $381,227 = CAD Market Value $697,161
2. Improvement Details: Size, Type & Assessed Value
This is a breakdown of the improvements CAD has listed for the property and the square footage or area connected to those records. CAD improvement records may include the main living area, garages, shops, decks, patios, pools, storage, or other site improvements when available.
Building
Value: $381,227 Total Area: 2897 Sqft Living Area: 2472 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| LIVING AREA | LA | 1,832 Sqft |
| PORCH/GLASS ENCL | PG | 280 Sqft |
| 2ND STORY | L2 | 640 Sqft |
| PORCH/COV | PO | 144 Sqft |
| GAZEBO/PATIO/ALUMINUM | GZ | 1 Sqft |
| Additional Feature / Structure | Type / Details | Area / Quantity |
|---|---|---|
| BARN/OPEN | Code: BO · Class: FLT · Built 1992 | 1 Sqft |
3. Current Tax Exemptions & Statutory Limitations
Property tax bills reflect two distinct types of CAD adjustments: local taxing jurisdiction exemptions (which reduce taxable value below appraised value) and statutory appraisal limitations (which limit the annual growth of appraised value itself). Each taxing entity establishes its own exemption amounts and tax rates.
Local taxing jurisdictions reflect taxable value reductions below appraised value. The CAD source did not disclose specific exemption codes.
Statutory 10% limitation on annual increase in appraised value for qualifying residence homestead (Texas Tax Code § 23.23). This is an appraisal-stage limitation, not a local taxing jurisdiction exemption.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer’s exemptions and future tax obligations may differ.
4. Value After CAD Reductions
This is where CAD reductions, exemptions, limitations, or special-use valuation may affect the value used for tax calculations.
CAD Market Value $697,161 − All Current CAD Reductions -$135,000 = Current Taxed Starting Point $562,161
This reflects the CAD net appraised value after current CAD reductions. Individual taxing units may use different taxable values when exemptions apply.
Taxable-value reduction for applicable school district (Kemp ISD); reflects current CAD record, not guaranteed to transfer to buyer. Additional local taxing units on this record also show taxable-value reductions: Henderson CAD (-$135,000), Henderson Co R&b (-$135,000), Henderson County (-$135,000), Henderson Co Fm-fc (-$138,000), Trinity Valley Comm (-$135,000). Separate from -$135,000 10% homestead cap already reflected in the $697,161 net appraised value.
5. Who Taxes It?
These are the local entities included in the current CAD/tax estimate. A property tax bill can include a city, county, school district, municipal utility district, public improvement district, or other special district. Each entity may use its own taxable value, rate, and exemption treatment.
| Entity | Taxable Value | Rate (per $100) | Est. Tax (No Ex.) | Savings | Est. Tax (Current) |
|---|---|---|---|---|---|
|
Other Entity
HENDERSON CAD |
$562,161 | 0.0000 | $0 | — | $0 |
|
County
HENDERSON CO R&B |
$562,161 | 0.0172 | $120 | -$23 | $97 |
|
County
HENDERSON COUNTY |
$562,161 | 0.2743 | $1,912 | -$370 | $1,542 |
|
County
HENDERSON CO FM-FC |
$559,161 | 0.0400 | $279 | -$55 | $224 |
|
School District
KEMP ISD |
$422,161 | 1.1735 | $8,181 | -$3,227 | $4,954 |
|
Other Entity
TRINITY VALLEY COMM |
$562,161 | 0.1137 | $792 | -$153 | $639 |
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer's exemptions and future tax obligations may differ.
6. Estimated Tax Bottom Line
Est. Taxes (No Exemptions) $11,285 − Est. Tax Reductions / Savings $3,829 = Est. Taxes (With Current Exemptions) $7,455
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $3,829. Estimated taxes without exemptions are calculated by applying each jurisdiction's tax rate to its pre-exemption taxable value. Exemption savings represent the difference between this unexempted estimate and the county's current tax estimate. Taxable values and tax rates vary by jurisdiction. Future taxes depend on buyer qualification and future adopted rates.
7. CAD Values Over Time
YOY Change reflects the change in CAD Market Value from the prior appraisal year. Taxed / Appraised reflects the CAD net appraised value after CAD reductions, or the certified capped appraisal value where jurisdictions differ. Individual taxing units may use different taxable values when exemptions apply.
| Year | Land | Impr. | Market | Taxed / Appraised | YOY Change |
|---|---|---|---|---|---|
| 2021 | $62,550 | $186,910 | $249,460 | $249,460 | -$3 / 0.00% |
| 2022 | $122,100 | $311,076 | $433,176 | $314,906 | +$183,716 / +73.65% |
| 2023 | $122,100 | $356,829 | $478,929 | $337,397 | +$45,753 / +10.56% |
| 2024 | $122,100 | $381,227 | $503,327 | $362,137 | +$24,398 / +5.09% |
| 2025 | $315,934 | $381,227 | $697,161 | $532,226 | +$193,834 / +38.51% |
| 2026 | $315,934 | $381,227 | $697,161 | $562,161 | — |
8. List Price vs CAD Value
The current list price and the county’s CAD market value are not the same thing. CAD market value is used for property-tax context and may lag the open market, reflect prior protests, exemptions, caps, agricultural or special-use treatment, or other appraisal district methods.
How does the list price compare with the CAD value?
CAD values are appraisal-district values used for property-tax purposes and can differ from current asking prices and eventual sale prices.
Current List Price $655,000 − Current CAD Market Value $697,161 = Under CAD Value -$42,161 (-6.0%)
A sale price can become part of the appraisal district’s future evidence. A buyer’s future taxable value and tax bill may change after purchase, especially if exemptions, caps, or special-use valuation change.
For tax planning, buyers should confirm future taxable value, exemptions, and special-use treatment with the appraisal district, tax office, lender, CPA, or other qualified advisor.
LIFE AROUND RIVER RANCH SUB 18
A curated look at local favorites, everyday stops, and lifestyle context near this property.