2231 Cold Water Dr, Prosper, TX 75078 Property Records

Collin County property record for 2231 Cold Water Dr, Prosper, TX 75078

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,244 sqft · built 2011
Owner	Individual Name on File
Tax Bill	$7,534 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-9177-036-0230-1`

Property Details

APN / Parcel Number

Primary APN	`R-9177-036-0230-1`
Alternative APN	`2612071`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,244 sqft Living Area
Gross Area	4,940 sqft
2nd Floor Area	1,813 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2612071
Street Address	2231 COLD WATER DR
City	PROSPER
State	TX
Zip	75078-7228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES OF LA CIMA PHASE FIVE (CPR), BLK 36, LOT 23
Legal Subdivision	LAKES OF LA CIMA PHASE FIVE (CPR)
Legal Phase	5
Legal Block	36
Legal Lot Number	23
Jurisdiction	COLLIN TX
Township / Civil Division	CELINA
Census Block Group	5
Census Block	5013
Census Tract	30303

Owner

2231 Cold Water Dr is owned and occupied by an individual who acquired it in September 2025.

Source: Collin County records, as of October 29, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2231 COLD WATER DR, PROSPER, TX 75078-7228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 5, 2024	Vendor's Lien, Transfer · Conventional Mortgage NAVY FCU
May 12, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025
Deed Sale	Sep 30, 2025
Prior Sale	Jul 5, 2024
Deed Document Number	2025000125419
Record Updated	Jun 8, 2026

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Sep 30, 2025
Property Address	2231 COLD WATER DR, PROSPER, TX 75078-7228
Document Number	2025000125419
Map Reference	VOL 2006 PG 607
Instrument Date	Sep 30, 2025
Instrument	2025000125419
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, ITC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 COLD WATER DR, PROSPER, TX 75078-7228

Mortgage

Document Number	2025000125420
Date	Sep 30, 2025
Instrument	2025000125420

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Jul 5, 2024
Property Address	2231 COLD WATER DR, PROSPER, TX 75078-7228
Document Number	2024000081616
Map Reference	CAB 2006 PG 607
Instrument Date	Jul 2, 2024
Instrument	2024000081616
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, REPUBLIC TITLE OF TEXAS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 COLD WATER DR # JR, JR, PROSPER, TX 75078-7228

Mortgage

Document Number	2024000081617
Date	Jul 5, 2024
Instrument	2024000081617

Lender

Name	NAVY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIN TX
Recording Date	May 12, 2017
Property Address	2231 COLD WATER DR, PROSPER, TX 75078-7228
Document Number	0000613750
Instrument Date	May 11, 2017
Instrument	613750
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	REPUBLIC TITLE COMPANY, REPUBLIC TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 COLD WATER DR PROSPER TX 750787228, PROSPER, TX 75078-7228

Mortgage

Document Number	613760
Date	May 12, 2017
Instrument	613760

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 11, 2032

Tax Assessment & Valuation

Source: Collin County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$798,109 Land $185,000 Building $613,109	$798,109 Land $185,000 Building $613,109
2024	$7,534.00
2023		$766,617 Land $185,000 Building $581,617	$766,617 Land $185,000 Building $581,617
2022	$9,683.00

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

Flood

FEMA maps place 2231 Cold Water 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
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

Wildfire risk around 2231 Cold Water Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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	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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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