Collin County property record for 304 Rustic Oak Ln, McKinney, TX 75072
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,466 sqft · built 2016 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $20,741 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-10987-00H-0140-1 |
| Primary APN | R-10987-00H-0140-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,466 sqft Living Area |
| Gross Area | 2,954 sqft |
| 1st Floor Area | 1,499 sqft |
| 2nd Floor Area | 967 sqft |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2736841 |
|---|---|
| Street Address | 304 RUSTIC OAK LN |
| City | MCKINNEY |
| State | TX |
| Zip | 75072-8496 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALOR POINTE - THE RESERVE AT WESTRIDGE PHASE 16 ( CMC), BLK H, LOT 14 |
| Legal Subdivision | VALOR POINTE - THE RESERVE AT WESTRIDGE |
| Legal Phase | 16 |
| Legal Block | H |
| Legal Lot Number | 14 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | MCKINNEY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 30537 |
Source: Collin County records, as of October 23, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 304 RUSTIC OAK LN, MCKINNEY, TX 75072-8496 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 16, 2020 | Deed of Trust, Mortgage FIRST LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2017 |
| Deed Sale | Mar 24, 2017 |
| Deed Document Number | 20170324000378740 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 304 RUSTIC OAK LN, MCKINNEY, TX 75072-8496 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 304 RUSTIC OAK LN, MCKINNEY, TX 75072-8496 |
| Document Number | 0000003262 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 20230111000003262 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 468 Months |
| Due | Jan 10, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 304 RUSTIC OAK LN, MCKINNEY, TX 75072-8496 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | CAPITAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000706940 |
|---|---|
| Date | Apr 8, 2021 |
| Instrument | 20210408000706940 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 304 RUSTIC OAK LN, MCKINNEY, TX 75072-8496 |
| Document Number | 0001226100 |
| Instrument Date | Jul 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 304 RUSTIC OAK LN MCKINNEY TX 750728496, MCKINNEY, TX 75072-8496 |
| Document Number | 0001226100 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 1226100 |
| Name | FIRST LNDG |
|---|---|
| Address | PLANO, TX 75093 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2050 |
Source: Collin County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Collin County |
| Municipality | McKinney City |
| Unified School District | Prosper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $528,000 (+0.63%) Land $140,000 Building $388,000 | $528,000 (+0.63%) Land $140,000 Building $388,000 | |
| 2024 | $20,741.00 (+166.32%) | ||
| 2023 | $524,699 Land $140,000 Building $384,699 | $524,699 Land $140,000 Building $384,699 | |
| 2022 | $7,788.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 13, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 MCKINNEY serves 224,043 people · EPA ID TX0430039 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD WYLIE WTP |
| Last State Inspection | Feb 2024 |
| 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 749 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 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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