1645 Montgomery Ln, Prosper, TX 75078 Property Records

Collin County property record for 1645 Montgomery Ln, Prosper, TX 75078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,760 sqft · built 2024
Lot Size	0.174 acres (7,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Apr 2026)
Tax Bill	$9,552 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-12420-00A-0090-1`

Property Details

APN / Parcel Number

Primary APN	`R-12420-00A-0090-1`
Alternative APNs	`000002839893` `2839893`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,760 sqft Living Area
Gross Area	4,676 sqft
1st Floor Area	2,437 sqft
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Lot Area	7,560 sqft (0.174 acres)
Garage Type	Attached
Garage Area	692 sqft
Porch	Covered Patio/Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1645 MONTGOMERY LN
City	PROSPER
State	TX
Zip	75078-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIGHT FARMS BARTLETT NEIGHBORHOOD PHASE 1, BLK A, LOT 9; * (SEE R-12420-00A-0090-W FOR MUD ONLY ACCOUNT) *
Legal Subdivision	LIGHT FARMS BARTLETT NEIGHBORHOOD PHASE
Legal Block	A
Legal Lot Number	9
Jurisdiction	COLLIN TX
Township / Civil Division	CELINA
Census Block Group	3
Census Block	3031
Census Tract	30306

Owner

Source: Collin County records, as of October 13, 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	1645 MONTGOMERY LN, PROSPER, TX 75078-3117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2025	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 30, 2026	Re-recorded Document, Transfer · Conventional Mortgage CARDINAL FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Feb 7, 2025 · Amount on Record
Deed Document Number	202657341
Prior Transfer Date	Feb 6, 2025
Prior Transfer Doc	0000057341
Record Updated	Oct 29, 2026

February 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Feb 7, 2025
Property Address	1645 MONTGOMERY LN, PROSPER, TX 75078-3117
Document Number	2025000014544
Map Reference	VOL 2021 PG 422
Instrument Date	Feb 6, 2025
Instrument	2025000014544
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2557 SW GRAPEVINE PKWY STE 100, 100, GRAPEVINE, TX 76051-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 MONTGOMERY LN, PROSPER, TX 75078-3117

Mortgage

Document Number	2025000014545
Date	Feb 7, 2025
Instrument	2025000014545

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

April 2026: Re-recorded Document, Transfer

Document Type	Re-recorded Document
Jurisdiction	COLLIN TX
Recording Date	Apr 30, 2026
Property Address	1645 MONTGOMERY LN, PROSPER, TX 75078-3117
Document Number	0000057341
Instrument Date	Feb 6, 2025
Instrument	202657341
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 MONTGOMERY LN, PROSPER, TX 75078-3117

Mortgage

Document Number	0000057342,
Date	Apr 30, 2026
Instrument	202657342

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Mar 1, 2055

Interest

Rate	6.93%
Max Rate	-1%

Tax Assessment & Valuation

Source: Collin County assessment roll, as of March 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,552.00 (+407.01%)	$661,239 (+525.52%) Land $156,000 Building $509,017	$665,017 (+529.1%) Land $156,000 Building $509,017
2024	$1,884.00 (+9.85%)
2023		$105,710 Land $105,710	$105,710 Land $105,710
2022	$1,715.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 CELINA serves 52,701 people · EPA ID TX0430003
Water Source	Purchased surface water from UTRWD REGIONAL WATER TREATMENT PLANT
Last State Inspection	Sep 2025
Lead	2 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 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
Nextlink Fixed Wireless	1,000 / 1,000
Optimum Fiber · Cable	940 / 940
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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