3470 Marginal Dr, McKinney, TX 75071 Property Records

Collin County property record for 3470 Marginal Dr, McKinney, TX 75071

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,385 sqft · built 2024
Owner	2 Individual Names on File
Last Sale	$642,656 (Aug 2025)
Tax Bill	$2,430 (2025)
Deeds & Mortgages	Aug 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-13089-00V-0200-1`

Property Details

APN / Parcel Number

Primary APN	`R-13089-00V-0200-1`
Alternative APNs	`000002893397` `2893397`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,385 sqft Living Area
Gross Area	3,954 sqft
1st Floor Area	1,829 sqft
Flooring	Ceramic Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Garage Type	Attached
Garage Area	475 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3470 MARGINAL DR
City	MCKINNEY
State	TX
Zip	75071-6678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ERWIN FARMS PHASE 4, BLK V, LOT 20
Legal Subdivision	ERWIN FARMS PHASE 4
Legal Block	V
Legal Lot Number	20
Jurisdiction	COLLIN TX
Township / Civil Division	CELINA
Census Block Group	2
Census Block	2125
Census Tract	30307

Owner

3470 Marginal Dr is owned and occupied by two individuals who bought it in August 2025.

Source: Collin County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3470 MARGINAL DR, MCKINNEY, TX 75071-6678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Prior Sale	Nov 12, 2024
Deed Document Number	2025104741
Record Updated	Oct 29, 2026

August 2025: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Aug 19, 2025
Property Address	3470 MARGINAL DR, MCKINNEY, TX 75071-6678
Document Number	2025000104741
Map Reference	MB 2023 PG 724
Instrument Date	Aug 15, 2025
Instrument	2025000104741
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 24, 2025
Title Company	UNKNOWN, PGP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9111 CYPRESS WATERS BLVD STE 100, 100, COPPELL, TX 75019-4796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3470 MARGINAL DR, MCKINNEY, TX 75071-6678

Mortgage

Document Number	2025000104742
Date	Aug 19, 2025
Instrument	2025000104742

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3470 Marginal Dr was $2,430, up 66.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$596,308 (+243.24%) Land $159,500 Building $436,808	$596,308 (+243.24%) Land $159,500 Building $436,808
2025	$2,430.00 (+66.32%)	$173,729 Land $124,410 Building $49,319	$173,729 Land $124,410 Building $49,319
2024	$1,461.00

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

Flood

FEMA maps place 3470 Marginal 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	5 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 3470 Marginal Dr is moderate, ranking above 47% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 79% of Texas
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Rise Broadband.

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