Collin County property record for 981 Southgate Ln, Prosper, TX 75078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,796 sqft · built 2019 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,649 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R-11830-00U-0190-1 |
| Primary APN | R-11830-00U-0190-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,796 sqft Living Area |
| Gross Area | 4,331 sqft |
| 1st Floor Area | 2,253 sqft |
| 2nd Floor Area | 1,544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Type | Attached |
| Garage Area | 535 sqft |
| Porch | Porch |
| Porch Area | 372 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2797497 |
|---|---|
| Street Address | 981 SOUTHGATE LN |
| City | PROSPER |
| State | TX |
| Zip | 75078-2249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STAR TRAIL PHASE THREE (CPR), BLK U, LOT 19 |
| Legal Subdivision | STAR TRAIL PHASE THREE (CPR) |
| Legal Phase | 3 |
| Legal Block | U |
| Legal Lot Number | 19 |
| Jurisdiction | COLLIN TX |
| Township / Civil Division | CELINA |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 30304 |
981 Southgate Ln is owned and occupied by two individuals who acquired it in November 2019.
Source: Collin County records, as of October 23, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 981 SOUTHGATE LN, PROSPER, TX 75078-2249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2019 |
| Deed Sale | Nov 25, 2019 |
| Deed Document Number | 20191125001502220 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIN TX |
| Property Address | 981 SOUTHGATE LN, PROSPER, TX 75078-2249 |
| Document Number | 0002290400 |
| Instrument Date | Dec 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 981 SOUTHGATE LN PROSPER TX 750782249, PROSPER, TX 75078-2249 |
| Document Number | 0002290400 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2290400 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 20, 2035 |
Source: Collin County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Collin County |
| Municipality | Prosper Town |
| Unified School District | Prosper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $945,512 Land $237,500 Building $708,012 | $945,512 Land $237,500 Building $708,012 | |
| 2024 | $13,649.00 | ||
| 2023 | $886,978 Land $237,500 Building $649,478 | $886,978 Land $237,500 Building $649,478 | |
| 2022 | $13,351.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Southgate Ln in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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 981 Southgate Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of Texas |
|---|---|
| Wildfire Likelihood | 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.
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 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Optimum Fiber · Cable | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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