Collin County property record for 10524 Lower Pass, McKinney, TX 75072
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,471 sqft · built 2016 |
| Lot Size | 0.246 acres (10,733 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $667,926 (Dec 2024) |
| Tax Bill | $8,529 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Mar 2022 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-10987-00K-0200-1 |
| Primary APN | R-10987-00K-0200-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,471 sqft Living Area |
| Gross Area | 3,303 sqft |
| 1st Floor Area | 1,499 sqft |
| Flooring | Ceramic Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Lot Area | 10,733 sqft (0.246 acres) |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Porch | Covered Patio/Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10524 LOWER PASS |
|---|---|
| City | MCKINNEY |
| State | TX |
| Zip | 75072-8491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALOR POINTE - THE RESERVE AT WESTRIDGE PHASE 16 ( CMC), BLK K, LOT 20 |
| Legal Subdivision | VALOR POINTE - THE RESERVE AT WESTRIDGE |
| Legal Block | K |
| Legal Lot Number | 20 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | MCKINNEY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 30537 |
10524 Lower Pass is owned and occupied by two individuals who bought it in December 2024.
Source: Collin County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2024 | Intrafamily Transfer, Transfer |
| Mar 25, 2022 | Deed of Trust, Mortgage · Line of Credit ZB NA |
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 9, 2021 | Intrafamily Transfer, Transfer |
| Jan 26, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 19, 2019 | Loan Modification, Mortgage PENNYMAC |
| Jun 10, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 28, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2024 · Amount on File |
| Deed Sale | Dec 3, 2024 · Amount on File |
| Prior Sale | Feb 17, 2017 · Amount on File |
| Deed Document Number | 2024149379 |
| Prior Transfer Date | Feb 5, 2024 |
| Prior Transfer Doc | 0000013244 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Feb 5, 2024 |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 2024000013244 |
| Instrument Date | Feb 5, 2024 |
| Instrument | 2024000013244 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0000475560 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 20220325000475560 |
| Name | ZB NA |
|---|---|
| Type | Bank |
| Address | HOUSTON, TX 77253 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002152090 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 20211021002152090 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Apr 9, 2021 |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0000720620 |
| Instrument Date | Apr 9, 2021 |
| Instrument | 20210409000720620 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Jan 26, 2021 |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0000162930 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 162930 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS MCKINNEY TX 750728491, MCKINNEY, TX 75072-8491 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0001421390 |
| Instrument Date | Oct 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS MCKINNEY TX 750728491, MCKINNEY, TX 75072-8491 |
| Document Number | 0001421390 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | 1421390 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0001435320 |
| Instrument Date | Oct 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS MCKINNEY TX 750728491, MCKINNEY, TX 75072-8491 |
| Document Number | 0001435320 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 1435320 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 11, 2049 |
| Rate | 4.12% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Jun 10, 2019 |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0000663400 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 663400 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 10524 LOWER PASS MCKINNEY TX 750728491, MCKINNEY, TX 75072-8491 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | May 28, 2019 |
| Property Address | 10524 LOWER PASS, MCKINNEY, TX 75072-8491 |
| Document Number | 0000594670 |
| Instrument Date | May 23, 2019 |
| Instrument | 594670 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10524 LOWER PASS MCKINNEY TX 750728491, MCKINNEY, TX 75072-8491 |
The 2025 property tax bill for 10524 Lower Pass was $8,529, up 3.7% from the year before.
Source: Collin County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Collin County |
| Municipality | McKinney City |
| Unified School District | Prosper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,529.00 (+3.75%) Homeowner's exemption | $568,357 Land $166,250 Building $402,107 | $568,357 Land $166,250 Building $402,107 |
| 2024 | $8,221.00 | ||
| 2023 | $561,208 Land $166,250 Building $394,958 | $561,208 Land $166,250 Building $394,958 | |
| 2022 | $8,302.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10524 Lower Pass in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 13, 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.
The area around 10524 Lower Pass has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 MCKINNEY serves 224,043 people · EPA ID TX0430039 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD WYLIE WTP |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 749 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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