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Single Family ResidenceResidential
$522,369$250 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

11851 RIVER RANCH RD

KEMP, TX 75143
3
Baths
2,086 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5.04 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$522K
$493K low$552K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$237,370
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$189,896
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.52%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$284,999
CARDINAL FINANCIAL COMPANY LP · recorded Jul 11, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,943 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$541,694 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$78,899
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$477,329
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$492,449
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$556,228

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
54
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHenderson
Lot (acres)The size of the land the home sits on, from county records.5.04
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 882 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Kemp High SchoolD
High · Grades 9–12 · 8.8 mi
M
Kemp Jr High SchoolD
Middle · Grades 6–8 · 9.2 mi
E
Kemp Primary School
Elementary · Grades PK–1 · 10.0 mi

District: Kemp Independent School District

Neighborhood · ZIP 75143These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.20,287
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.97 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,585
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,854
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

11851 River Ranch Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 77% of homes in Kemp 75143
  • Costs more per square foot than 69% of homes in Henderson County
  • Bigger than 81% of homes in Kemp 75143
  • Has a bigger lot than 86% of homes in Kemp 75143
  • Older than 68% of homes in Kemp 75143

What homes are worth in Kemp 75143

Each bar is how many homes fall in that price range. The marker is this home.

This home
$99K$1.4M

This home is worth more than 77% of homes in Kemp 75143.

How it measures up in Kemp 75143

The dot is this home. The mark in the middle is the typical home in Kemp 75143.

Estimated value$522,369
CheaperTypical $302,462Pricier

Pricier than 77% of homes nearby

Price per ft²$250
CheaperTypical $200Pricier

Pricier than 67% of homes nearby

Living area2,086 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 81% of homes nearby

Lot size5.04 ac
SmallerTypical 0.63 acBigger

Bigger than 86% of homes nearby

Year built1982
OlderTypical 1995Newer

Newer than 32% of homes nearby

How 11851 River Ranch Rd ranks against every home in each area.
MeasureThis homeKemp 75143Henderson County
Estimated valuepricier than$522,36977% of homes77% of homes
Price per ft²pricier than$25067% of homes69% of homes
Living areabigger than2,086 ft²81% of homes81% of homes
Lot sizebigger than5.04 ac86% of homes86% of homes
Year builtnewer than198232% of homes34% of homes

About 11851 River Ranch Rd

How much is 11851 River Ranch Rd, Kemp, TX worth?

The TopHap Estimate for 11851 River Ranch Rd, Kemp, TX is $522,369 as of Jul 14, 2026. The likely range is $492,882 to $551,856. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11851 River Ranch Rd, Kemp, TX last sell?

11851 River Ranch Rd, Kemp, TX last sold on Jul 11, 2022, according to the county's recorded deed.

How big is 11851 River Ranch Rd, Kemp, TX?

11851 River Ranch Rd, Kemp, TX has 3 bathrooms, 2,086 square feet of living space and a 5.04-acre lot.

When was 11851 River Ranch Rd, Kemp, TX built?

11851 River Ranch Rd, Kemp, TX was built in 1982, making it 44 years old.

What schools serve 11851 River Ranch Rd, Kemp, TX?

11851 River Ranch Rd, Kemp, TX is assigned to Kemp High School (high), rated D; Kemp Jr High School (middle), rated D; Kemp Primary School (elementary). All sit in Kemp Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11851 River Ranch Rd, Kemp, TX compare to other homes in Kemp 75143?

Among the 9,405 homes in Kemp 75143, it is worth more than 77% of them ($522,369 against a typical $302,462), its price per square foot is higher than 67% of them ($250 against a typical $200), it is bigger than 81% of them (2,086 ft² against a typical 1,440 ft²), its lot is bigger than 86% of them (5.04 ac against a typical 0.63 ac) and it is newer than 32% of them (1982 against a typical 1995). Measured against all of Henderson County, it is worth more than 77% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 11851 River Ranch Rd, Kemp, TX?

The 2024 property tax bill for 11851 River Ranch Rd, Kemp, TX was $1,943. The county assessed it at $541,694.

More homes on River Ranch Rd

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More homes in Kemp 75143

Assigned schools

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