4908 Rustic Ridge Dr, McKinney, TX 75071 Property Records

Collin County property record for 4908 Rustic Ridge Dr, McKinney, TX 75071

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,725 sqft · built 2001
Owner	Individual Name on Record
Tax Bill	$7,074 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-4419-00A-0050-1`

Property Details

APN / Parcel Number

Primary APN	`R-4419-00A-0050-1`
Alternative APN	`2102285`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,725 sqft Living Area
Gross Area	2,153 sqft
1st Floor Area	1,725 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2102285
Street Address	4908 RUSTIC RIDGE DR
City	MCKINNEY
State	TX
Zip	75071-4829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	HIGHRIDGE ADDITION PHASE 1 (CMC), BLK A, LOT 5
Legal Subdivision	HIGHRIDGE ADDITION PHASE 1 (CMC)
Legal Phase	1
Legal Block	A
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	9026 SAN LEANDRO DR, DALLAS, TX 75218-4259
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY BANK
Mar 30, 2023	Vendor's Lien, Transfer · Conventional Mortgage CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023
Deed Sale	Mar 30, 2023
Prior Sale	Apr 2, 2003
Deed Document Number	2023000033070
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIN TX
Property Address	4908 RUSTIC RIDGE DR, MCKINNEY, TX 75071-4829
Transaction Type	Mortgage
Record Updated	May 1, 2023
Title Company	ALLEGIANCE TITLE COMPANY, ALLEGIANCE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029950
Date	Jan 8, 2020
Instrument	20200108000029950

Lender

Name	PROSPERITY BANK
Type	Bank
Address	EL CAMPO, TX 77437

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

March 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COLLIN TX
Recording Date	Mar 30, 2023
Property Address	4908 RUSTIC RIDGE DR, MCKINNEY, TX 75071-4829
Document Number	2023000033070
Map Reference	VOL 1 PG 868
Instrument Date	Mar 20, 2023
Instrument	2023000033070
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	ALLIANCE TITLE, ALLEGIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 GREENWALD LN, COLUMBIA FALLS, MT 59912-8649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9026 SAN LEANDRO DR, DALLAS, TX 75218-4259

Mortgage

Document Number	2023000033071
Date	Mar 30, 2023
Instrument	2023000033071

Lender

Name	CITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	12%
Index	Prime Rate
Max Rate	12%

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		$401,412 (+7.72%) Land $85,500 Building $315,912	$401,412 (+7.72%) Land $85,500 Building $315,912
2024	$7,074.00 (+146.74%)
2023		$372,655 Land $85,000 Building $287,655	$372,655 Land $85,000 Building $287,655
2022	$2,867.00

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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