980 Midnight Pass, Rockwall, TX 75087 Property Records

Rockwall County property record for 980 Midnight Pass, Rockwall, TX 75087

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,744 sqft · built 1999
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,600 (Jul 2006)
Tax Bill	$6,577 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3252000C0004000R`

Property Details

APN / Parcel Number

Primary APN	`3252000C0004000R`
Alternative APNs	`R48267` `48267`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,744 sqft Living Area
Gross Area	3,174 sqft
1st Floor Area	2,744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,475 sqft (0.172 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	980 MIDNIGHT PASS
City	ROCKWALL
State	TX
Zip	75087-2267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARUTH LAKE PHASE 4, BLOCK C, LOT 4
Legal Subdivision	CARUTH LAKE PHASE 4
Legal Phase	4
Legal Tract	4
Legal Block	C
Legal Lot Number	4
Jurisdiction	ROCKWALL TX
Township / Civil Division	NORTHWEST ROCKWALL
Census Block Group	2
Census Block	2001
Census Tract	40202

Owner

Source: Rockwall County records, as of August 11, 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	980 MIDNIGHT PASS, ROCKWALL, TX 75087-2267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Mar 1, 2018	Deed of Trust, Mortgage · Line of Credit CREDIT UNION/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2006 · Amount on Record
Deed Sale	Jul 6, 2006 · Amount on Record
Deed Document Number	2006357523
Deed Book / Page	4635 / 314
Prior Transfer Date	Jun 23, 2006
Prior Transfer Doc	0000357523
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Recording Date	Jun 8, 2026
Property Address	980 MIDNIGHT PASS, ROCKWALL, TX 75087-2267
Document Number	0000010740
Instrument Date	Jun 3, 2026
Instrument	202610740
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 MIDNIGHT PASS, ROCKWALL, TX 75087-2267

Mortgage

Document Number	0000010740,
Date	Jun 8, 2026
Instrument	202610740

Lender

Name	CREDIT UNION ONE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 5, 2046

Interest

Rate	6.37%
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKWALL TX
Property Address	980 MIDNIGHT PASS, ROCKWALL, TX 75087-2267
Document Number	0000004314
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	980 MIDNIGHT PASS ROCKWALL TX 750872267, ROCKWALL, TX 75087-2267

Mortgage

Document Number	0000004314
Date	Mar 14, 2018
Instrument	4314

Lender

Name	CREDIT UNION/TX
Type	Credit Union
Address	DALLAS, TX 75251-1329

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Rockwall County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Rockwall County
Municipality	Rockwall City
Unified School District	Rockwall Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$413,983 (-0.84%) Land $155,000 Building $258,983	$413,983 (-0.84%) Land $155,000 Building $258,983
2025	$6,577.00 (-4.98%)	$417,482 (+0.86%) Land $155,000 Building $262,482	$417,482 (+0.86%) Land $155,000 Building $262,482
2024	$6,922.00 (+6.84%)
2023	$6,479.00 (+21.99%)	$413,921 Land $178,250 Building $235,671	$413,921 Land $178,250 Building $235,671
2021	$5,311.00

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 8, 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	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 ROCKWALL serves 55,250 people · EPA ID TX1990001
Water Source	Purchased surface water from NORTH TEXAS MWD WYLIE WTP
Last State Inspection	Jul 2023
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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Novos Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wi-Five Broadband Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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