312 Rustic Oak Ln, McKinney, TX 75072 Property Records

Collin County property record for 312 Rustic Oak Ln, McKinney, TX 75072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,656 sqft · built 2016
Owner	2 Individual Names on Record
Tax Bill	$9,295 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-10987-00H-0160-1`

Property Details

APN / Parcel Number

Primary APN	`R-10987-00H-0160-1`
Alternative APN	`2736843`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,121 sqft
1st Floor Area	1,656 sqft

Exterior

Year Built	Built 2016
Exterior Material	Brick
Construction Type	Wood Frame
Garage Type	Attached
Garage Area	465 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2736843
Street Address	312 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 16
Legal Subdivision	VALOR POINTE - THE RESERVE AT WESTRIDGE
Legal Phase	16
Legal Block	H
Legal Lot Number	16
Jurisdiction	COLLIN TX
Township / Civil Division	MCKINNEY
Census Block Group	1
Census Block	1009
Census Tract	30537

Owner

Source: Collin County records, as of October 23, 2025

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	4001 STARLIGHT CREEK DR, CELINA, TX 75009-1597
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage PENTAGON FCU
Jul 31, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2017
Deed Sale	Jul 21, 2017
Deed Document Number	20170721000964240
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	312 RUSTIC OAK LN, MCKINNEY, TX 75072-8496
Document Number	0002260170
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 RUSTIC OAK LN MCKINNEY TX 750728496, MCKINNEY, TX 75072-8496

Mortgage

Document Number	0002260170
Date	Dec 16, 2020
Instrument	2260170

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	TYSONS, VA 22102

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	312 RUSTIC OAK LN, MCKINNEY, TX 75072-8496
Document Number	0001350600
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 RUSTIC OAK LN MCKINNEY TX 750728496, MCKINNEY, TX 75072-8496

Mortgage

Document Number	0001350600
Date	Aug 18, 2020
Instrument	1350600

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$464,651 (+1.35%) Land $147,000 Building $317,651	$464,651 (+1.35%) Land $147,000 Building $317,651
2024	$9,295.00 (+48.36%)
2023		$458,455 Land $147,000 Building $311,455	$458,455 Land $147,000 Building $311,455
2022	$6,265.00

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

Flood

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.

Wildfire

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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 692 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
ElektraFi Fixed Wireless	100 / 20

May also be available: T-Mobile.

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