1401 Montego Ct, Rockwall, TX 75087 Property Records

Rockwall County property record for 1401 Montego Ct, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,939 sqft · built 2013
Lot Size	0.187 acres (8,163 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,275 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3262000L0001000R`

Property Details

APN / Parcel Number

Primary APN	`3262000L0001000R`
Alternative APNs	`R84477` `84477`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,939 sqft Living Area
Gross Area	3,459 sqft
1st Floor Area	2,939 sqft
Flooring	Terrazzo
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2019
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,163 sqft (0.187 acres)
Lot Dimensions	115 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Patio Area	110 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1401 MONTEGO CT
City	ROCKWALL
State	TX
Zip	75087-7209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARUTH LAKES PHASE 7B, BLOCK L, LOT 1, (REPLAT 2014)
Legal Subdivision	CARUTH LAKES PHASE 7B
Legal Phase	7B
Legal Tract	1
Legal Block	L
Legal Lot Number	1
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	3
Census Block	3013
Census Tract	40202

Owner

Source: Rockwall County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1401 MONTEGO CT, ROCKWALL, TX 75087-7209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY BANK
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 9, 2020	Warranty Deed, Transfer CAPITAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020
Deed Sale	Sep 9, 2020
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	202021174
Prior Transfer Date	Jul 9, 2018
Prior Transfer Doc	0000012325
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	1401 MONTEGO CT, ROCKWALL, TX 75087-7209
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001696
Date	Jan 22, 2021
Instrument	20210000001696

Lender

Name	PROSPERITY BANK
Type	Bank
Address	EL CAMPO, TX 77437

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	1401 MONTEGO CT, ROCKWALL, TX 75087-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013023
Date	Jun 19, 2020
Instrument	20200000013023

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Apr 1, 2035

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKWALL TX
Recording Date	Sep 9, 2020
Property Address	1401 MONTEGO CT, ROCKWALL, TX 75087-7209
Document Number	0000021174
Instrument Date	Sep 4, 2020
Instrument	21174
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 MONTEGO CT ROCKWALL TX 750877209, ROCKWALL, TX 75087-7209

Tax Assessment & Valuation

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		$498,451 (+1.08%) Land $150,000 Building $348,451	$498,451 (-0.78%) Land $150,000 Building $348,451
2025	$6,275.00 (+0.48%) Homeowner's exemption	$493,138 (-2.3%)	$502,370 (-0.47%) Land $150,000 Building $352,370
2024	$6,245.00 (+16.51%)
2023	$5,360.00 (-13.6%) Homeowner's exemption	$504,724 Land $177,000 Building $327,724	$504,724 Land $177,000 Building $327,724
2021	$6,204.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 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	2 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

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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: Hotwire Communications, Optimum, Verizon.

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