4816 Rustic Ridge Dr, McKinney, TX 75071 Property Records

Collin County property record for 4816 Rustic Ridge Dr, McKinney, TX 75071

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,981 sqft · built 2001
Owner	2 Individual Names on Record
Tax Bill	$5,645 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-4419-00A-0090-1`

Property Details

APN / Parcel Number

Primary APN	`R-4419-00A-0090-1`
Alternative APN	`2102289`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,981 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	375 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2102289
Street Address	4816 RUSTIC RIDGE DR
City	MCKINNEY
State	TX
Zip	75071-4825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	HIGHRIDGE ADDITION PHASE 1 (CMC), BLK A, LOT 9
Legal Subdivision	HIGHRIDGE ADDITION PHASE 1 (CMC)
Legal Phase	1
Legal Block	A
Legal Lot Number	9
Jurisdiction	COLLIN TX
Township / Civil Division	MCKINNEY
Census Block Group	3
Census Block	3007
Census Tract	30605

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	4816 RUSTIC RIDGE DR, MCKINNEY, TX 75071-4825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage ACADEMY MTG
Dec 22, 2017	Deed of Trust, Mortgage CERTAINTY HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2016
Deed Sale	Oct 3, 2016
Prior Sale	Jun 7, 2001
Deed Document Number	20161003001333280
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	4816 RUSTIC RIDGE DR, MCKINNEY, TX 75071-4825
Document Number	0001400380
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	FIDELITY NATIONAL TITLE, FNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4816 RUSTIC RIDGE DR MCKINNEY TX 750714825, MCKINNEY, TX 75071-4825

Mortgage

Document Number	0001400380
Date	Aug 25, 2020
Instrument	1400380

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	4816 RUSTIC RIDGE DR, MCKINNEY, TX 75071-4825
Document Number	0001716440
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4816 RUSTIC RIDGE DR MCKINNEY TX 750714825, MCKINNEY, TX 75071-4825

Mortgage

Document Number	0001716440
Date	Dec 29, 2017
Instrument	1716440

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75093

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

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	McKinney Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$421,015 (+1.74%) Land $94,050 Building $326,965	$421,015 (+1.74%) Land $94,050 Building $326,965
2024	$5,645.00 (-3.73%)
2023		$413,809 Land $88,825 Building $324,984	$413,809 Land $88,825 Building $324,984
2022	$5,864.00

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 · 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	3 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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