Collin County property record for 1620 Caruth Dr, Prosper, TX 75078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,545 sqft · built 2021 |
| Lot Size | 0.277 acres (12,090 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $16,365 (2024) |
| Deeds & Mortgages | Apr 2022 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R-11921-00O-0080-1 |
| Primary APN | R-11921-00O-0080-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,545 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Lot Area | 12,090 sqft (0.277 acres) |
| Account Number | 2802977 |
|---|---|
| Street Address | 1620 CARUTH DR |
| City | PROSPER |
| State | TX |
| Zip | 75078-2189 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEGACY GARDENS PHASE 1 (CPR), BLK O, LOT 8 |
| Legal Subdivision | LEGACY GARDENS PHASE 1 (CPR) |
| Legal Phase | 1 |
| Legal Block | O |
| Legal Lot Number | 8 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | CELINA |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 30304 |
1620 Caruth Dr is owned and occupied by an individual who acquired it in December 2021.
Source: Collin County records, as of October 23, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1620 CARUTH DR, PROSPER, TX 75078-2189 |
| 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 |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 6, 2021 | Vendor's Lien, Subdivision Related Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2021 |
| Deed Sale | Dec 6, 2021 |
| Deed Document Number | 20211206002470850 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 1620 CARUTH DR, PROSPER, TX 75078-2189 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1620 CARUTH DR, PROSPER, TX 75078-2189 |
| Document Number | 0000576410 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 20220411000576410 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COLLIN TX |
| Recording Date | Dec 6, 2021 |
| Property Address | 1620 CARUTH DR, PROSPER, TX 75078-2189 |
| Document Number | 0002470850 |
| Map Reference | DOC 2019-619 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 20211206002470850 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 29, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6225 N STATE HIGHWAY 161 # 161150, 6225, IRVING, TX 75038-2223 |
| Name | Verified Name |
|---|---|
| Address | 1820 CARUTH DRIVE, PROSPER, TX 75078 |
| Document Number | 0002470860 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 20211206002470860 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Collin County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Collin County |
| Municipality | Prosper Town |
| Unified School District | Prosper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,029,845 Land $288,750 Building $741,095 | $1,029,845 Land $288,750 Building $741,095 | |
| 2024 | $16,365.00 | ||
| 2023 | $853,782 Land $199,500 Building $654,282 | $853,782 Land $199,500 Building $654,282 | |
| 2022 | $15,314.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1620 Caruth Dr 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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 risk around 1620 Caruth Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 83% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Optimum Fiber · Cable | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
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