Collin County property record for 109 Rustic Oak Ln, McKinney, TX 75072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,552 sqft · built 2016 |
| Lot Size | 0.125 acres (5,458 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Jan 2020) |
| Tax Bill | $8,144 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-10987-00A-0400-1 |
| Primary APN | R-10987-00A-0400-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,552 sqft Living Area |
| Gross Area | 3,220 sqft |
| 1st Floor Area | 2,021 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 | 5,458 sqft (0.125 acres) |
| Garage Type | Attached |
| Garage Area | 448 sqft |
| Porch | Covered Patio/Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 RUSTIC OAK LN |
|---|---|
| City | MCKINNEY |
| State | TX |
| Zip | 75072-9072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALOR POINTE - THE RESERVE AT WESTRIDGE PHASE 16 ( CMC), BLK A, LOT 40 |
| Legal Subdivision | VALOR POINTE - THE RESERVE AT WESTRIDGE |
| Legal Block | A |
| Legal Lot Number | 40 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | MCKINNEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30537 |
109 Rustic Oak Ln is owned and occupied by two individuals who bought it in January 2020.
Source: Collin County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 RUSTIC OAK LN, MCKINNEY, TX 75072-9072 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage CARDINAL FIN'L |
| Jan 21, 2020 | Warranty Deed, Transfer AMERICAN MTG |
| Dec 19, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Jun 15, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2020 · Amount on File |
| Deed Sale | Jan 21, 2020 · Amount on File |
| Prior Sale | Dec 19, 2019 · Amount on File |
| Deed Document Number | 202082280 |
| Prior Transfer Date | Nov 5, 2019 |
| Prior Transfer Doc | 0001617290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 109 RUSTIC OAK LN, MCKINNEY, TX 75072-9072 |
| Document Number | 0001922830 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 RUSTIC OAK LN MCKINNEY TX 750729072, MCKINNEY, TX 75072-9072 |
| Document Number | 0001922830 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 1922830 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Jan 21, 2020 |
| Property Address | 109 RUSTIC OAK LN, MCKINNEY, TX 75072-9072 |
| Document Number | 0000082280 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 82280 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | TIAGO TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 RUSTIC OAK LN MCKINNEY TX 750729072, MCKINNEY, TX 75072-9072 |
| Document Number | 82290 |
|---|---|
| Date | Jan 21, 2020 |
| Instrument | 82290 |
| Name | AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | ALLEN, TX 75013 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 20, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Dec 19, 2019 |
| Property Address | 109 RUSTIC OAK LN, MCKINNEY, TX 75072-9072 |
| Document Number | 0001617290 |
| Instrument Date | Nov 5, 2019 |
| Instrument | 1617290 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10997 STONE HOUSE LN FRISCO TX 750338055, FRISCO, TX 75033-8055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Jun 15, 2017 |
| Property Address | 109 RUSTIC OAK LN, MCKINNEY, TX 75072-9072 |
| Document Number | 0000780420 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 780420 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 21, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 RUSTIC OAK LN MCKINNEY TX 750709072, MCKINNEY, TX 75070-9072 |
| Document Number | 780430 |
|---|---|
| Date | Jun 15, 2017 |
| Instrument | 780430 |
| Name | DHI MTG |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78750 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2047 |
The 2025 property tax bill for 109 Rustic Oak Ln was $8,144 with a homeowner's exemption, up 3.2% 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 | $8,144.00 (+3.22%) Homeowner's exemption | $537,247 Land $140,000 Building $418,712 | $558,712 Land $140,000 Building $418,712 |
| 2024 | $7,890.00 | ||
| 2023 | $551,263 Land $140,000 Building $411,263 | $551,263 Land $140,000 Building $411,263 | |
| 2022 | $7,994.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Rustic Oak Ln 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 109 Rustic Oak Ln 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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