409 Rustic Oak Ln, McKinney, TX 75072 Property Records

Collin County property record for 409 Rustic Oak Ln, McKinney, TX 75072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,466 sqft · built 2016
Lot Size	0.15 acres (6,517 sqft)
Owner	2 Individual Names on Record
Last Sale	$616,455 (Dec 2025)
Tax Bill	$7,824 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R-10987-00J-0030-1`

Property Details

APN / Parcel Number

Primary APN	`R-10987-00J-0030-1`
Alternative APNs	`000002736866` `2736866`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,466 sqft Living Area
Gross Area	3,083 sqft
1st Floor Area	1,499 sqft
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Wood
Lot Area	6,517 sqft (0.15 acres)
Garage Type	Attached
Garage Area	487 sqft
Porch	Covered Patio/Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 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 3
Legal Subdivision	VALOR POINTE - THE RESERVE AT WESTRIDGE
Legal Block	J
Legal Lot Number	3
Jurisdiction	COLLIN TX
Township / Civil Division	MCKINNEY
Census Block Group	1
Census Block	1008
Census Tract	30537

Owner

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

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	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Intrafamily Transfer, Transfer INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE ALLEN
Dec 5, 2025	Vendor's Lien, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Sep 30, 2021	Deed, Transfer
Sep 30, 2021	Warranty Deed, Transfer · Commercial Mortgage GUIDANCE RESIDENTIAL LLC
Sep 11, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 20, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Sep 30, 2021
Deed Document Number	2025157260
Prior Transfer Date	Aug 28, 2020
Prior Transfer Doc	0001533390
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIN TX
Recording Date	Dec 5, 2025
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	2025000157259
Map Reference	CAB 2016 SL 318-319
Instrument Date	Dec 5, 2025
Instrument	2025000157259
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE ALLEN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784

December 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Dec 5, 2025
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	2025000157260
Map Reference	CAB 2016 SL 318-319
Instrument Date	Dec 5, 2025
Instrument	2025000157260
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	INDEPENDENCE TITLE AGENCY, INDEPENDENCE TITLE ALLEN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784

Mortgage

Document Number	2025000157261
Date	Dec 5, 2025
Instrument	2025000157261

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	COLLIN TX
Recording Date	Sep 30, 2021
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0002003770
Map Reference	DOC20160509010001890
Instrument Date	Jul 22, 2021
Instrument	20210930002003770
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11107 SUNSET HILLS RD STE 200, 200, RESTON, VA 20190-5376
Investor	Possibly a Property Investor

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIN TX
Recording Date	Sep 30, 2021
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0002003790
Map Reference	DOC20160509010001890
Instrument Date	Jul 16, 2021
Instrument	20210930002003790
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784

Mortgage

Document Number	0002003780
Date	Sep 30, 2021
Instrument	20210930002003780

Lender

Name	GUIDANCE RESIDENTIAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	227 Months
Due	Aug 1, 2040

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIN TX
Recording Date	Sep 11, 2020
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0001533390
Instrument Date	Aug 28, 2020
Instrument	1533390
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	409 RUSTIC OAK LN MCKINNEY TX 750723784, MCKINNEY, TX 75072-3784

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLLIN TX
Recording Date	Nov 20, 2017
Property Address	409 RUSTIC OAK LN, MCKINNEY, TX 75072-3784
Document Number	0001539880
Instrument Date	May 26, 2017
Instrument	1539880
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 RUSTIC OAK LN MCKINNEY TX 750703784, MCKINNEY, TX 75070-3784

Tax Assessment & Valuation

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	Prosper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,824.00 (+3.03%) Homeowner's exemption	$519,756 (-1.84%) Land $147,000 Building $389,399	$536,399 (+1.31%) Land $147,000 Building $389,399
2024	$7,594.00 (+2.12%)
2023		$529,475 Land $147,000 Building $382,475	$529,475 Land $147,000 Building $382,475
2022	$7,436.00

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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