Collin County property record for 2045 Ruger Dr, Plano, TX 75023
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,050 sqft · built 1985 |
| Owner | 2 Owner Names on File |
| Tax Bill | $3,201 (2024) |
| Deeds & Mortgages | Mar 2020 Line of Credit Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R-1595-002-0180-1 |
| Primary APN | R-1595-002-0180-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,050 sqft Living Area |
| Gross Area | 2,512 sqft |
| 1st Floor Area | 2,050 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 500 sqft |
| Porch | Covered Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1687730 |
|---|---|
| Street Address | 2045 RUGER DR |
| City | PLANO |
| State | TX |
| Zip | 75023-3239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR |
| Legal Description | HUNTERS RIDGE PHASE 1 (CPL), BLK 2, LOT 18 |
| Legal Subdivision | HUNTERS RIDGE PHASE 1 (CPL) |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | PLANO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 31634 |
The current owner of 2045 Ruger Dr acquired it in June 2008.
Source: Collin County records, as of October 23, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2045 RUGER DR, PLANO, TX 75023-3239 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Mar 25, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Dec 14, 2017 | Deed of Trust, Mortgage · Line of Credit LEGACY BK/TX |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2008 |
| Deed Sale | Jun 3, 2008 |
| Prior Sale | Jan 7, 1994 |
| Deed Document Number | 20080603000663700 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 2045 RUGER DR, PLANO, TX 75023-3239 |
| Document Number | 0000495120 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 2045 RUGER DR PLANO TX 750233239, PLANO, TX 75023-3239 |
| Document Number | 0000495120 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 495120 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Apr 6, 2059 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 2045 RUGER DR, PLANO, TX 75023-3239 |
| Document Number | 0001705210 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2045 RUGER DR PLANO TX 750233239, PLANO, TX 75023-3239 |
| Document Number | 0001705210 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 1705210 |
| Name | LEGACY BK/TX |
|---|---|
| Type | Bank |
| Address | ALLEN, TX 75013 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 27, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Collin County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Collin County |
| Municipality | Plano City |
| Unified School District | Plano Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $407,917 Land $115,500 Building $292,417 | $407,917 Land $115,500 Building $292,417 | |
| 2024 | $3,201.00 | ||
| 2023 | $406,717 Land $104,500 Building $302,217 | $406,717 Land $104,500 Building $302,217 | |
| 2022 | $4,833.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2045 Ruger Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Dec 2020 · rainfall accumulation |
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.
The area around 2045 Ruger Dr 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 PLANO serves 292,059 people · EPA ID TX0430007 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD WYLIE WTP |
| Last State Inspection | Jul 2025 |
| 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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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