1088 Midnight Pass, Rockwall, TX 75087 Property Records

Rockwall County property record for 1088 Midnight Pass, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	3 bd · 9 ba · 2,722 sqft · built 1995
Lot Size	0.199 acres (8,660 sqft)
Owner	2 Individual Names on File
Last Sale	$363,600 (Jul 2026)
Tax Bill	$5,759 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3248000B0009000R`

Property Details

APN / Parcel Number

Primary APN	`3248000B0009000R`
Alternative APNs	`R44727` `44727`

Interior

Bedrooms	3 Beds
Full Baths	9 Baths
Stories	1 Story
Building Area	2,722 sqft Living Area
Gross Area	3,252 sqft
1st Floor Area	2,722 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,660 sqft (0.199 acres)
Lot Dimensions	111 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	298 sqft
Patio Area	231 sqft
Storage Building	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1088 MIDNIGHT PASS
City	ROCKWALL
State	TX
Zip	75087-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARUTH LAKE PHASE ONE, BLOCK B, LOT 9
Legal Subdivision	CARUTH LAKE PHASE ONE
Legal Phase	1
Legal Tract	9
Legal Block	B
Legal Lot Number	9
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	2
Census Block	2004
Census Tract	40202

Owner

1088 Midnight Pass is owned and occupied by two individuals who bought it in July 2026.

Source: Rockwall County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1088 MIDNIGHT PASS, ROCKWALL, TX 75087-7200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 17, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 25, 2021	Vendor's Lien, Transfer · VA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on File
Deed Sale	Jul 17, 2026 · Amount on File
Prior Sale	Jun 25, 2021 · Amount on File
Deed Document Number	202613671
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKWALL TX
Recording Date	Jul 17, 2026
Property Address	1088 MIDNIGHT PASS, ROCKWALL, TX 75087-7200
Document Number	0000013671
Instrument Date	Jul 16, 2026
Instrument	202613671
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	ACURA TITLE, ACRISURE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1088 MIDNIGHT PASS, ROCKWALL, TX 75087-7200

Mortgage

Document Number	0000013672,
Date	Jul 17, 2026
Instrument	202613672

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	ROCKWALL TX
Recording Date	Jun 25, 2021
Property Address	1088 MIDNIGHT PASS, ROCKWALL, TX 75087-7200
Document Number	0000017178
Map Reference	VOL C PG 208
Instrument Date	Jun 25, 2021
Instrument	20210000017178
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1088 MIDNIGHT PASS, ROCKWALL, TX 75087-7200

Mortgage

Document Number	0000017179
Date	Jun 25, 2021
Instrument	20210000017179

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1088 Midnight Pass was $5,759, down 5.1% from the year before.

Source: Rockwall County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Rockwall County
Municipality	Rockwall City
Unified School District	Rockwall Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,941 (-0.96%) Land $155,000 Building $300,941	$455,941 (-0.96%) Land $155,000 Building $300,941
2025	$5,759.00 (-5.09%) Homeowner's exemption	$460,375 Land $155,000 Building $305,375	$460,375 Land $155,000 Building $305,375
2024	$6,068.00 (-0.74%)
2023	$6,113.00 Homeowner's exemption	$464,422 Land $178,250 Building $286,172	$464,422 Land $178,250 Building $286,172
2021	$4,884.00

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

Flood

FEMA maps place 1088 Midnight Pass in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1088 Midnight 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.

Drinking Water

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

Water System	CITY OF ROCKWALL serves 55,250 people · EPA ID TX1990001
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Jul 2023
Lead	2 ppb (2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Novos Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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