1081 Circle J Trl, Prosper, TX 75078 Property Records

Collin County property record for 1081 Circle J Trl, Prosper, TX 75078

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,692 sqft · built 2014
Lot Size	0.319 acres (13,939 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,292 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R-10528-00J-0040-1`

Property Details

APN / Parcel Number

Primary APN	`R-10528-00J-0040-1`
Alternative APN	`2704386`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,692 sqft Living Area
Gross Area	5,527 sqft
1st Floor Area	2,821 sqft
2nd Floor Area	1,871 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	13,939 sqft (0.319 acres)
Garage Type	Attached
Garage Area	835 sqft
Parking Spaces	3 Parking Spaces
Pool Area	575 sqft
Porch	Porch
Porch Area	229 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2704386
Street Address	1081 CIRCLE J TRL
City	PROSPER
State	TX
Zip	75078-9547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE CREEK PHASE TWO A (CPR), BLK J, LOT 4
Legal Subdivision	SADDLE CREEK PHASE TWO A (CPR)
Legal Phase	2
Legal Block	J
Legal Lot Number	4
Jurisdiction	COLLIN TX
Township / Civil Division	CELINA
Census Block Group	1
Census Block	1020
Census Tract	30304

Owner

1081 Circle J Trl is owned and occupied by two individuals who acquired it in December 2015.

Source: Collin County records, as of October 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC
Jan 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHAMBERS BANK
May 13, 2020	Deed of Trust, Mortgage AMERICAN FIN'L NTWK INC
Feb 2, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FROST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015
Deed Sale	Dec 15, 2015
Deed Document Number	20151221001586270
Prior Transfer Date	Apr 9, 2014
Prior Transfer Doc	20140409000338410
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547

Mortgage

Document Number	2025000162943
Date	Dec 17, 2025
Instrument	2025000162943

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547

Mortgage

Document Number	0000002582
Date	Jan 10, 2023
Instrument	20230110000002582

Lender

Name	CHAMBERS BANK
Type	Bank
Address	ROGERS, AR 72758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547
Document Number	0000730820
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1084 CIRCLE J TRL PROSPER TX 75078, PROSPER, TX 75078

Mortgage

Document Number	0000730820
Date	May 19, 2020
Instrument	730820

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COLLIN TX
Recording Date	Feb 2, 2017
Property Address	1081 CIRCLE J TRL, PROSPER, TX 75078-9547
Instrument Date	Jan 12, 2017
Instrument	149320
Transaction Type	Construction Loan
Record Updated	Mar 6, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 CIRCLE J TRL PROSPER TX 750789547, PROSPER, TX 75078-9547

Mortgage

Document Number	0000149320
Date	Feb 2, 2017
Instrument	149320

Lender

Name	FROST BK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Collin County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Collin County
Municipality	Prosper Town
Unified School District	Prosper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$926,793 Land $300,000 Building $626,793	$926,793 Land $300,000 Building $626,793
2024	$14,292.00
2023		$1,049,000 Land $300,000 Building $749,000	$1,049,000 Land $300,000 Building $749,000
2022	$13,639.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1081 Circle J Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1081 Circle J Trl 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF PROSPER serves 42,598 people · EPA ID TX0430009
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Apr 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	200 / 50
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Grayson Collin Communications, Hotwire Communications.

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