Denton County property record for 4630 Silver Cliff Dr, Prosper, TX 75078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,597 sqft · built 2022 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,994,998 (Feb 2026) |
| Tax Bill | $20,507 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Feb 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R970618 |
| Primary APN | R970618 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,597 sqft Living Area |
| Gross Area | 4,578 sqft |
| 1st Floor Area | 2,855 sqft |
| 2nd Floor Area | 742 sqft |
| Utility Area | 392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,894 sqft (0.296 acres) |
| Garage Type | Attached |
| Garage Area | 981 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 275 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4630 SILVER CLIFF DR |
|---|---|
| City | PROSPER |
| State | TX |
| Zip | 75078-5165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDSONG RANCH PHASE 3D BLK F LOT 10 |
| Legal Subdivision | WINDSONG RANCH PHASE 3D |
| Legal Block | F |
| Legal Lot Number | 10 |
| Jurisdiction | DENTON TX |
| Township / Civil Division | PILOT POINT-AUBREY |
| Census Block Group | 5 |
| Census Block | 5011 |
| Census Tract | 20128 |
4630 Silver Cliff Dr is owned and occupied by an individual who bought it in February 2026.
Source: Denton County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2024 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Feb 12, 2026 | Vendor's Lien, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Nov 22, 2024 | Warranty Deed, Transfer |
| Jun 21, 2022 | Special Warranty Deed, Subdivision Related Transfer CAPITAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2026 · Amount on File |
| Deed Sale | Feb 12, 2026 · Amount on File |
| Prior Sale | Nov 22, 2024 |
| Deed Document Number | 202615541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DENTON TX |
| Property Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Number | 0000047366 |
|---|---|
| Date | May 6, 2024 |
| Instrument | 2024-047366 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | 502 E MARKET ST, GREENWOOD, DE 19950 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2054 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | DENTON TX |
| Recording Date | Feb 12, 2026 |
| Property Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Number | 0000015541 |
| Map Reference | DOC 201-50 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 2026-015541 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Number | 0000015542 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 2026-015542 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.8% |
| Index | Other |
| Max Rate | 10.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DENTON TX |
| Recording Date | Nov 22, 2024 |
| Property Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Number | 0000126998 |
| Map Reference | DOC 201-50 |
| Instrument Date | Oct 4, 2024 |
| Instrument | 2024-126998 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Name | Verified Name |
|---|---|
| Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | DENTON TX |
| Recording Date | Jun 21, 2022 |
| Property Address | 4630 SILVER CLIFF DR, PROSPER, TX 75078-5165 |
| Document Number | 0000091352 |
| Map Reference | DOC 2021-50 |
| Instrument Date | Jun 14, 2022 |
| Instrument | 2022-091352 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | CAPITAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 E MAIN ST, RICHARDSON, TX 75081-3328 |
| Name | Verified Name |
|---|---|
| Address | 952 CAMINO FLOEES, THOUSAND OAKS, CA 91360 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4630 Silver Cliff Dr was $20,507, up 28.5% from the year before.
Source: Denton County assessment roll, as of September 14, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Denton County |
| Municipality | Prosper Town |
| Unified School District | Denton Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,320,473 (-1.45%) Land $580,219 Building $740,254 | $1,320,473 (-1.45%) Land $580,219 Building $740,254 | |
| 2025 | $20,507.00 (+28.46%) Homeowner's exemption | $1,339,886 Land $309,450 Building $1,030,436 | $1,339,886 Land $309,450 Building $1,030,436 |
| 2024 | $15,964.00 (+26.07%) | ||
| 2023 | $12,663.00 (+216.65%) | $681,327 Land $309,450 Building $371,877 | $681,327 Land $309,450 Building $371,877 |
| 2022 | $3,999.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4630 Silver Cliff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 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 risk around 4630 Silver Cliff Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 87% of Texas |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF PROSPER serves 42,598 people · EPA ID TX0430009 |
|---|---|
| Water Source | Purchased surface water from NORTH TEXAS MWD WYLIE WTP |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) 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.
Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Optimum Fiber · Cable | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 200 / 50 |
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