405 Rustic Oak Ln, McKinney, TX 75072 Property Records

Collin County property record for 405 Rustic Oak Ln, McKinney, TX 75072

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,918 sqft · built 2016
Owner	2 Individual Names on Record
Tax Bill	$8,214 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-10987-00J-0040-1`

Property Details

APN / Parcel Number

Primary APN	`R-10987-00J-0040-1`
Alternative APN	`2736867`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,918 sqft Living Area
Gross Area	3,321 sqft
1st Floor Area	1,876 sqft
2nd Floor Area	1,042 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Brick
Construction Type	Wood Frame
Garage Type	Attached
Garage Area	403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2736867
Street Address	405 RUSTIC OAK LN
City	MCKINNEY
State	TX
Zip	75072-3784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALOR POINTE - THE RESERVE AT WESTRIDGE PHASE 16 ( CMC), BLK J, LOT 4
Legal Subdivision	VALOR POINTE - THE RESERVE AT WESTRIDGE
Legal Phase	16
Legal Block	J
Legal Lot Number	4
Jurisdiction	COLLIN TX
Township / Civil Division	MCKINNEY
Census Block Group	1
Census Block	1008
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	405 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage SI MORTGAGE COMPANY SI MORTGAGE COMPANY
Oct 1, 2019	Deed of Trust, Mortgage BRAZOS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017
Deed Sale	Jul 24, 2017
Deed Document Number	20170724000970520
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	405 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0001540980
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	SENDERA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RUSTIC OAK LN MCKINNEY TX 750723784, MCKINNEY, TX 75072-3784

Mortgage

Document Number	0001540980
Date	Sep 11, 2020
Instrument	1540980

Lender

Name	SI MORTGAGE COMPANY SI MORTGAGE COMPANY
Type	Bank
Address	STERLING HEIGHTS, MI 48310

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	405 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0001252020
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	SECURED TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 RUSTIC OAK LN MCKINNEY TX 750723784, MCKINNEY, TX 75072-3784

Mortgage

Document Number	0001252020
Date	Oct 7, 2019
Instrument	1252020

Lender

Name	BRAZOS NAT'L BK
Type	Bank
Address	DALLAS, TX 75207

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

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		$581,348 (+1.03%) Land $140,000 Building $441,348	$581,348 (+1.03%) Land $140,000 Building $441,348
2024	$8,214.00 (-1.01%)
2023		$575,397 Land $140,000 Building $435,397	$575,397 Land $140,000 Building $435,397
2022	$8,298.00

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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