4801 Silver Cliff Dr, Prosper, TX 75078 Property Records

Denton County property record for 4801 Silver Cliff Dr, Prosper, TX 75078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,812 sqft · built 2022
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on File
Last Sale	$1,564,080 (Dec 2023)
Tax Bill	$21,809 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R970595`

Property Details

APN / Parcel Number

Primary APN	`R970595`
Alternative APN	`SD5200A-000000H-0000-0005-0000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,812 sqft Living Area
Gross Area	4,717 sqft
1st Floor Area	3,812 sqft
Utility Area	218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Garage Type	Attached
Garage Area	906 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	355 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4801 SILVER CLIFF DR
City	PROSPER
State	TX
Zip	75078-5169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSONG RANCH PHASE 3D BLK H LOT 5
Legal Subdivision	WINDSONG RANCH PHASE 3D
Legal Block	H
Legal Lot Number	5
Jurisdiction	DENTON TX
Township / Civil Division	PILOT POINT-AUBREY
Census Block Group	5
Census Block	5011
Census Tract	20128

Owner

4801 Silver Cliff Dr is owned and occupied by two individuals who bought it in December 2023.

Source: Denton County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2500 WESTFIELD DR, 1-2, ELGIN, IL 60124-7700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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

Date	Document
Dec 8, 2023	Vendor's Lien, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 6, 2022	Deed of Trust, Mortgage · Construction Mortgage KIRKPATRICK BANK
Dec 30, 2022	Special Warranty Deed, Subdivision Related Transfer REPUBLIC TITLE COMPANY, RTT
Dec 9, 2021	Special Warranty Deed, Transfer REPUBLIC TITLE INC, REPUBLIC TITLE OF TEXAS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on File
Deed Sale	Dec 8, 2023 · Amount on File
Prior Sale	Dec 30, 2022
Deed Document Number	2023129856
Record Updated	Oct 29, 2026

December 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	DENTON TX
Recording Date	Dec 8, 2023
Property Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169
Document Number	0000129856
Map Reference	VOL 2021 PG 50
Instrument Date	Dec 6, 2023
Instrument	2023-129856
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3326 SABAL COVE LN, LONGBOAT KEY, FL 34228-4157

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169

Mortgage

Document Number	0000129857
Date	Dec 8, 2023
Instrument	2023-129857

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jan 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Max Rate	11.6%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENTON TX
Property Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003604
Date	Jan 6, 2022
Instrument	2022-003604

Lender

Name	KIRKPATRICK BANK
Type	Bank
Address	EDMOND, OK 73083

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	DENTON TX
Recording Date	Dec 30, 2022
Property Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169
Document Number	0000175444
Map Reference	VOL 2021 PG 50
Instrument Date	Dec 28, 2022
Instrument	2022-175444
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2023
Title Company	REPUBLIC TITLE COMPANY, RTT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DENTON TX
Recording Date	Dec 9, 2021
Property Address	4801 SILVER CLIFF DR, PROSPER, TX 75078-5169
Document Number	0000224063
Map Reference	VOL 2021 PG 50
Instrument Date	Dec 8, 2021
Instrument	2021-224063
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	REPUBLIC TITLE INC, REPUBLIC TITLE OF TEXAS INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8951 COLLIN MCKINNEY PKWY STE 1202, 1202, MC KINNEY, TX 75070-1035

Tax Assessment & Valuation

The 2025 property tax bill for 4801 Silver Cliff Dr was $21,809 with a homeowner's exemption.

Source: Denton County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Denton County
Municipality	Prosper Town
Unified School District	Denton Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,223,000 Land $611,535 Building $611,465	$1,223,000 Land $611,535 Building $611,465
2025	$21,809.00
2023	$23,852.00 (+678.97%)	$1,283,309 Land $328,697 Building $954,612	$1,283,309 Land $328,697 Building $954,612
2022	$3,062.00

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

Flood

FEMA maps place 4801 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 AE, 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

Wildfire risk around 4801 Silver Cliff Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Fiber · Cable	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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