---
document_type: "real_estate_listing_companion"
document_version: "property-markdown-v0.2"
mls_id: "21139254"
canonical_url: "https://www.steavycarter.com/mls/21139254/"
markdown_url: "https://www.steavycarter.com/mls/21139254.md"
address: "528 Embargo Drive, Fate, TX 75189"
status: "Sold"
price_usd: 359900
bedrooms: 4
bathrooms: "2"
living_area_sqft: 1715
lot_acres: 0.1
year_built: 2025
school_district: "Rockwall ISD"
primary_image: "https://images.steavycarter.com/21139254-01.jpeg"
image_count: 36
has_video: false
has_3d_tour: true
listing_source_updated_at: "2026-08-05T20:57:56.000Z"
listing_context_updated_at: "2026-08-07T06:46:25.664Z"
publisher: "Steavy Carter Realtor – Dallas and Rockwall, Texas"
---

# 528 Embargo Drive, Fate, TX 75189

**MLS 21139254 · $359,900 · Sold · 4 beds · 2 baths · 1,715 Sq Ft · 0.1 acres**

## Explore the Visual Property Page

- [Complete visual property page](https://www.steavycarter.com/mls/21139254/)

## Current Status and Data Freshness

- **Status:** Sold
- **Current list price:** $359,900
- **MLS/listing source updated:** August 5, 2026
- **ListingContext updated:** August 7, 2026
- **Important:** Price, availability, schools, taxes, and listing status can change. Confirm time-sensitive information before relying on it.

## Fast Answers

- **How much is 528 Embargo Drive?** $359,900.
- **How large is the home?** 1,715 Sq Ft.
- **How much land is included?** 0.1 acres.
- **How many bedrooms and bathrooms?** 4 bedrooms and 2 full bathrooms.
- **How much garage or covered parking is reported?** 2 garage spaces.
- **What school district serves the property?** Rockwall ISD. Buyers should verify current assignments directly with the district.
- **Are video and 3D tours available?** 3D tour only
- **What is the current CAD tax estimate?** Approximately $5,870 using the current recorded exemptions and rates. A buyer's future taxes may differ.

## Quick Facts

| Detail | Value |
|---|---|
| **MLS number** | 21139254 |
| **Price** | $359,900 |
| **Price per square foot** | $210 / Sq Ft |
| **Status** | Sold |
| **Property type** | Residential / Single Family Residence |
| **Bedrooms** | 4 |
| **Bathrooms** | 2 |
| **Living area** | 1,715 Sq Ft |
| **Lot size** | 0.1 acres |
| **Year built** | 2025 |
| **Garage / covered parking** | 2 garage spaces |
| **School district** | Rockwall ISD |
| **County** | Rockwall County |

## Detailed Listing Facts

### Overview

- **Property Type**: Residential
- **Property Subtype**: Single Family Residence
- **Subdivision**: Edgewater
- **Community**: Edgewater
- **County**: Rockwall
- **Days on Market**: 14

### Home

- **Bedrooms**: 4
- **Bathrooms**: 2
- **Full Baths**: 2
- **Square Feet**: 1,715 Sq Ft
- **Price / Sq Ft**: $210 / Sq Ft
- **Year Built**: 2025
- **Stories**: 1
- **Levels**: One
- **Construction**: Brick, Frame
- **Foundation**: Pillar Post Pier, Slab
- **Roof**: Composition
- **Property Attached**: No

### Kitchen and Interior

- **Appliances**: Double Oven, Dishwasher, Electric Oven, Gas Cooktop, Disposal, Gas Water Heater, Microwave, Vented Exhaust Fan
- **Interior Features**: Decorative Designer Lighting Fixtures, High Speed Internet, Smart Home, Cable Tv, Wired For Sound, Air Filtration
- **Flooring**: Carpet, Ceramic Tile, Engineered Hardwood
- **Heating**: Central, Natural Gas, Zoned
- **Cooling**: Central Air, Ceiling Fans, Electric, Zoned
- **Fireplaces**: Gas Log, Gas Starter
- **Fireplace Features**: Gas Log, Gas Starter
- **Security Features**: Carbon Monoxide Detectors, Other, Smoke Detectors

### Lot and Exterior

- **Lot Size**: 0.1 acres
- **Lot Size Sq Ft**: 4,530
- **Lot Features**: Interior Lot, Landscaped, Subdivision, Sprinkler System
- **Exterior Features**: Rain Gutters
- **Patio & Porch Features**: Covered
- **Fencing**: Wood
- **Pool**: No

### Parking and Garage

- **Parking**: Garage, Garage Door Opener, Garage Faces Rear
- **Garage Spaces**: 2
- **Covered Parking**: 2
- **Attached Garage**: Yes

### MLS Tax and HOA Fields

- **HOA Fee**: $1,200 Annually
- **HOA Includes**: All Facilities, Association Management, Maintenance Structure
- **Parcel Number**: 118368
- **APN**: 118368
- **Legal Description**: Edgewater
- **Tax Block**: E
- **Tax Lot**: 16

### Utilities

- **Utilities**: Natural Gas Available, Municipal Utilities, Sewer Available, Separate Meters, Underground Utilities, Water Available, Cable Available
- **Water**: Public
- **Sewer**: Public Sewer
- **Other Equipment**: Air Purifier

### Schools

- **Elementary:** Lupe Garcia · Rockwall ISD
- **Middle:** Herman E Utley,Davis · Rockwall ISD
- **High:** Heath · Rockwall ISD

### Listing Information

- **MLS #**: 21139254
- **MLS Board**: NTREIS
- **Source Updated**: 2026-08-05T20:57:56.000Z
- **Last Updated**: 2026-08-07T06:46:25.664Z

## Featured Spaces

### 1. Primary listing photo for 528 Embargo Drive, Fate, TX 75189
- **Caption:** Primary real estate listing photo for 528 Embargo Drive, Fate, TX 75189.
- **Image:** [https://images.steavycarter.com/21139254-01.jpeg](https://images.steavycarter.com/21139254-01.jpeg)

### 2. Listing photo 2 for 528 Embargo Drive, Fate, TX 75189
- **Caption:** Real estate listing photo 2 for 528 Embargo Drive, Fate, TX 75189.
- **Image:** [https://images.steavycarter.com/21139254-02.jpeg](https://images.steavycarter.com/21139254-02.jpeg)

### 3. Listing photo 3 for 528 Embargo Drive, Fate, TX 75189
- **Caption:** Real estate listing photo 3 for 528 Embargo Drive, Fate, TX 75189.
- **Image:** [https://images.steavycarter.com/21139254-03.jpeg](https://images.steavycarter.com/21139254-03.jpeg)

### 4. Listing photo 4 for 528 Embargo Drive, Fate, TX 75189
- **Caption:** Real estate listing photo 4 for 528 Embargo Drive, Fate, TX 75189.
- **Image:** [https://images.steavycarter.com/21139254-04.jpeg](https://images.steavycarter.com/21139254-04.jpeg)

### 5. Listing photo 5 for 528 Embargo Drive, Fate, TX 75189
- **Caption:** Real estate listing photo 5 for 528 Embargo Drive, Fate, TX 75189.
- **Image:** [https://images.steavycarter.com/21139254-05.jpeg](https://images.steavycarter.com/21139254-05.jpeg)

## Visual Property Index

The ListingContext record contains 36 analyzed public images. This compact index preserves room labels and captions without embedding every image.

| Photo | Room or area | Image title | Caption |
| ---: | --- | --- | --- |
| 1 |  | [Primary listing photo for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-01.jpeg) | Primary real estate listing photo for 528 Embargo Drive, Fate, TX 75189. |
| 2 |  | [Listing photo 2 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-02.jpeg) | Real estate listing photo 2 for 528 Embargo Drive, Fate, TX 75189. |
| 3 |  | [Listing photo 3 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-03.jpeg) | Real estate listing photo 3 for 528 Embargo Drive, Fate, TX 75189. |
| 4 |  | [Listing photo 4 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-04.jpeg) | Real estate listing photo 4 for 528 Embargo Drive, Fate, TX 75189. |
| 5 |  | [Listing photo 5 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-05.jpeg) | Real estate listing photo 5 for 528 Embargo Drive, Fate, TX 75189. |
| 6 |  | [Listing photo 6 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-06.jpeg) | Real estate listing photo 6 for 528 Embargo Drive, Fate, TX 75189. |
| 7 |  | [Listing photo 7 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-07.jpeg) | Real estate listing photo 7 for 528 Embargo Drive, Fate, TX 75189. |
| 8 |  | [Listing photo 8 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-08.jpeg) | Real estate listing photo 8 for 528 Embargo Drive, Fate, TX 75189. |
| 9 |  | [Listing photo 9 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-09.jpeg) | Real estate listing photo 9 for 528 Embargo Drive, Fate, TX 75189. |
| 10 |  | [Listing photo 10 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-10.jpeg) | Real estate listing photo 10 for 528 Embargo Drive, Fate, TX 75189. |
| 11 |  | [Listing photo 11 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-11.jpeg) | Real estate listing photo 11 for 528 Embargo Drive, Fate, TX 75189. |
| 12 |  | [Listing photo 12 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-12.jpeg) | Real estate listing photo 12 for 528 Embargo Drive, Fate, TX 75189. |
| 13 |  | [Listing photo 13 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-13.jpeg) | Real estate listing photo 13 for 528 Embargo Drive, Fate, TX 75189. |
| 14 |  | [Listing photo 14 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-14.jpeg) | Real estate listing photo 14 for 528 Embargo Drive, Fate, TX 75189. |
| 15 |  | [Listing photo 15 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-15.jpeg) | Real estate listing photo 15 for 528 Embargo Drive, Fate, TX 75189. |
| 16 |  | [Listing photo 16 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-16.jpeg) | Real estate listing photo 16 for 528 Embargo Drive, Fate, TX 75189. |
| 17 |  | [Listing photo 17 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-17.jpeg) | Real estate listing photo 17 for 528 Embargo Drive, Fate, TX 75189. |
| 18 |  | [Listing photo 18 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-18.jpeg) | Real estate listing photo 18 for 528 Embargo Drive, Fate, TX 75189. |
| 19 |  | [Listing photo 19 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-19.jpeg) | Real estate listing photo 19 for 528 Embargo Drive, Fate, TX 75189. |
| 20 |  | [Listing photo 20 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-20.jpeg) | Real estate listing photo 20 for 528 Embargo Drive, Fate, TX 75189. |
| 21 |  | [Listing photo 21 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-21.jpeg) | Real estate listing photo 21 for 528 Embargo Drive, Fate, TX 75189. |
| 22 |  | [Listing photo 22 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-22.jpeg) | Real estate listing photo 22 for 528 Embargo Drive, Fate, TX 75189. |
| 23 |  | [Listing photo 23 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-23.jpeg) | Real estate listing photo 23 for 528 Embargo Drive, Fate, TX 75189. |
| 24 |  | [Listing photo 24 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-24.jpeg) | Real estate listing photo 24 for 528 Embargo Drive, Fate, TX 75189. |
| 25 |  | [Listing photo 25 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-25.jpeg) | Real estate listing photo 25 for 528 Embargo Drive, Fate, TX 75189. |
| 26 |  | [Listing photo 26 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-26.jpeg) | Real estate listing photo 26 for 528 Embargo Drive, Fate, TX 75189. |
| 27 |  | [Listing photo 27 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-27.jpeg) | Real estate listing photo 27 for 528 Embargo Drive, Fate, TX 75189. |
| 28 |  | [Listing photo 28 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-28.jpeg) | Real estate listing photo 28 for 528 Embargo Drive, Fate, TX 75189. |
| 29 |  | [Listing photo 29 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-29.jpeg) | Real estate listing photo 29 for 528 Embargo Drive, Fate, TX 75189. |
| 30 |  | [Listing photo 30 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-30.jpeg) | Real estate listing photo 30 for 528 Embargo Drive, Fate, TX 75189. |
| 31 |  | [Listing photo 31 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-31.jpeg) | Real estate listing photo 31 for 528 Embargo Drive, Fate, TX 75189. |
| 32 |  | [Listing photo 32 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-32.jpeg) | Real estate listing photo 32 for 528 Embargo Drive, Fate, TX 75189. |
| 33 |  | [Listing photo 33 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-33.jpeg) | Real estate listing photo 33 for 528 Embargo Drive, Fate, TX 75189. |
| 34 |  | [Listing photo 34 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-34.jpeg) | Real estate listing photo 34 for 528 Embargo Drive, Fate, TX 75189. |
| 35 |  | [Listing photo 35 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-35.jpeg) | Real estate listing photo 35 for 528 Embargo Drive, Fate, TX 75189. |
| 36 |  | [Listing photo 36 for 528 Embargo Drive, Fate, TX 75189](https://images.steavycarter.com/21139254-36.jpeg) | Real estate listing photo 36 for 528 Embargo Drive, Fate, TX 75189. |

## Property Video and 3D Tour

- **3D tour:** [Open the PropertyPanorama tour](https://www.propertypanorama.com/instaview/ntreis/21139254)

## Schools

- **Elementary:** Lupe Garcia · Rockwall ISD
- **Middle:** Herman E Utley,Davis · Rockwall ISD
- **High:** Heath · Rockwall ISD

Buyers should verify current school assignments directly with Rockwall ISD before making decisions based on school zoning.

## Commute Context

- **DFW Airport:** approximately 50 mins (40.1 mi)
- **Dallas Love Field:** approximately 37 mins (29.7 mi)
- **Downtown Dallas:** approximately 35 mins (28.0 mi)
- **The Star in Frisco:** approximately 39 mins (30.9 mi)
- **PGA Frisco:** approximately 45 mins (35.9 mi)

Drive times are route-based estimates and may change with traffic, weather, road work, and route choice.

## Life Around the Property

The categories below are curated display groups. Their order is presentation order, not an objective ranking of the best places.

### Dining

- **Fine Dining:** Bin 303, Culpepper Cattle Co.
- **Pizza:** Zanata, Samee's Pizza Getti
- **Chef-Owned / Local Dining:** Luigi's Italian Cafe, The Downing Bottles and Bites
- **Farm-to-Table:** Wells Cattle Co. Burgers & Pies, Wade's Landing
- **Cocktail:** Beer Me Taproom, The Brass Tap
- **Seafood:** Dodie's Cajun Restaurant at The Harbor, Pier 101

### Errands

- **Nearby Gas:** Fresh by Brookshires 802
- **Premium-Fuel Stop:** 7-Eleven
- **Pharmacy:** Walgreens Pharmacy, CVS Pharmacy
- **Bank:** Guaranty Bank & Trust, American National Bank of Texas
- **Grocery:** FRESH by Brookshire's
- **Post Shipping:** Global Pack and Ship

### Activities

- **Parks & Recreation:** Joe Burger Park, WILLIAMSBURG PARK
- **Clubs & Sports:** City of Fate Community Center, Woodcreek Fate HOA - North Amenity Pool
- **Adventure & Action:** Shenaniganz Entertainment Center, Rozie's Grill
- **Lifestyle & Music:** Day Spa Massage, MASSAGE BY DEBORAH

## CAD Tax and Valuation Summary

| Detail | Value |
|---|---|
| **CAD source** | County Appraisal District |
| **CAD PID** | 118368 |
| **Tax year** | 2026 |
| **Official CAD page** | [https://www.rockwallcad.com/property-detail/118368/2026](https://www.rockwallcad.com/property-detail/118368/2026) |
| **CAD market value** | $368,135 |
| **CAD land value** | $80,000 |
| **CAD improvement value** | $288,135 |
| **CAD appraised value** | $368,135 |
| **CAD net appraised / current taxed starting point** | $364,875 |
| **Estimated taxes before current exemptions** | $5,870.00 |
| **Current exemption impact** | -$0.00 |
| **Estimated taxes with current exemptions** | $5,870.00 |
| **Total tax rate** | 1.6088% |
| **Parcel size** | 0.1041 acres |

These figures describe the current public CAD record. A buyer’s future tax bill may differ based on exemptions, future appraised values, adopted tax rates, and other changes. This is not tax or legal advice.

## List Price vs. CAD Value

| Detail | Value |
|---|---|
| **List price** | $359,900 |
| **CAD market value** | $368,135 |
| **Difference** | -$8,235 Under CAD Value |

CAD market value is not the listing price, a lender appraisal, a prediction of the final sale price, or a future-tax guarantee. The comparison only shows the difference between the current asking price and the county appraisal district’s market-value record.

## CAD Details

| Detail | Value |
|---|---|
| **Legal description** | EDGEWATER PHASE 1, BLOCK E, LOT 16 |
| **Total land value** | $80,000 |
| **Total market acres** | 0.1041 |
| **Current special-use reduction** | -$0 |

### Taxing Units

| Taxing unit | Rate | Taxable value | Estimated tax with current exemptions | Estimated tax reduction |
| --- | --- | --- | --- | --- |
| City Of Fate | 0.290869% | $364,875 | $1,061.31 | $0.00 |
| Rockwall County | 0.251% | $364,875 | $915.84 | $0.00 |
| Rockwall ISD | 1.0669% | $364,875 | $3,892.85 | $0.00 |
| Williamsburg East PID Phase 1 | 0% | $368,135 | $0.00 | $0.00 |
| Williamsburg East PID O&m | 0% | $368,135 | $0.00 | $0.00 |

(H) indicates the current record reflects a homestead-related school taxable-value reduction.

### Improvements

#### Residential

- **CAD assessed improvement value:** $288,135
- **Total area:** 2,259 Sq Ft
- **Living area:** 1,715 Sq Ft
- Main Area: 1,715 Sq Ft
- Attached Garage: 428 Sq Ft
- COVERED PORCH: 100 Sq Ft
- COVERED PORCH: 16 Sq Ft

### CAD Market Value History

| Year | CAD market value | Land value | Improvement value | Market YOY change |
| --- | --- | --- | --- | --- |
| 2023 | $63,000 | $63,000 | $0 | Baseline |
| 2024 | $69,000 | $69,000 | $0 | +$6,000 (+9.52%) |
| 2025 | $63,950 | $63,950 | $0 | $-5,050 (-7.32%) |
| 2026 | $368,135 | $80,000 | $288,135 | +$304,185 (+475.66%) |

## Contact and Request Information

Have questions about this home?

- [Open the complete property page to request information or schedule a showing](https://www.steavycarter.com/mls/21139254/)

## Sources, Methodology, and Limitations

- **Canonical visual property page:** [https://www.steavycarter.com/mls/21139254/](https://www.steavycarter.com/mls/21139254/)
- **Listing facts:** Public listing data normalized through ListingContext.
- **Property summary and Buyer Match:** Approved curated property analysis from `curatedContent`.
- **Visual observations:** Existing titles, captions, and room labels from `media.images.gallery[]` in ListingContext.
- **CAD context:** Public-safe Rockwall CAD information, when available.
- **Local context:** Curated Local Expert groups and route-based commute estimates.
- **3D tour:** [https://www.propertypanorama.com/instaview/ntreis/21139254](https://www.propertypanorama.com/instaview/ntreis/21139254)
- **Official CAD record:** [https://www.rockwallcad.com/property-detail/118368/2026](https://www.rockwallcad.com/property-detail/118368/2026)
- **Structured property data:** [View the property JSON-LD schema](https://www.steavycarter.com/mls/21139254/schema.json)
- **Publisher:** Steavy Carter Realtor – Dallas and Rockwall, Texas.

This Markdown companion is a public reading-layer projection, not a raw JSON dump. It omits owner, deed, protest, private prospecting, raw source-receipt, internal Worker, and internal identifier data. Listing status, price, schools, taxes, and availability should be verified before reliance.