- Rockwall County
- Rockwall TX
- 75087
- Local Area: Caruth Lakes Ph 5
- Rockwall ISD
- Covered Parking
- Modern
- Gas Fireplace
- Media Room
Property Overview
Welcome to 871 High Cotton Lane in the sought-after Caruth Lakes community of Rockwall — a beautifully remodeled home that feels practically brand new. From the moment you walk in, you’ll notice fresh updates throughout, including all new fixtures, carpet, flooring, tile, and paint, creating a clean, modern feel in every room. The home also features an HVAC replacement in 2026, recent windows, and a recent roof for added peace of mind. This spacious home offers 4 bedrooms, 2.5 baths, a dedicated office, and a media room, with plenty of flexible space for work, play, and everyday living. Natural light fills the home, while the thoughtful layout provides both comfort and functionality. Step outside to enjoy the lovely shaded backyard — perfect for relaxing evenings, playing, or entertaining guests. The backyard shed conveys. Enjoy access to the community pool, along with a convenient location just minutes from Harry Myers Park, the YMCA, and vibrant downtown Rockwall. With parks, trails, shopping, dining, and year-round community events nearby, this home combines updated living, functional space, and a wonderful location within one of Rockwall’s most established neighborhoods. NO MUD, PID - Low tax rate of 1.58%
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Property highlights
Year Built 2002
School District Rockwall ISD
HOA $289 SemiAnnually
Pool Yes
Parking 2-car garage, 2 covered
Architecture Traditional, Detached
Fireplace 1 Fireplaces
Neighborhood Caruth Lakes Ph 5
Full Property Details
Property Details
PROPERTY HIGHLIGHTS
Quick Details
- Price $424,900
- Status Pending
- Bedrooms 4
- Bathrooms 3
- Square Feet 3,050 Sq Ft
- Lot Size 0.19 acres
- Lot Size Sq Ft 8,320
- Year Built 2002
- Price / Sq Ft $139 / Sq Ft
- MLS # 21302070
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- Property Condition Resale
- County Rockwall
- Subdivision Caruth Lakes Ph 5
- Days on Market 119
Home Details
- Architectural Style Traditional, Detached
- Stories 2
- Levels Two
- Full Baths 2
- Half Baths 1
- Construction Brick
- Foundation Slab
- Roof Composition
- Flooring Carpet, Ceramic Tile, Luxury Vinyl Plank
- Heating Central
- Cooling Central Air, Ceiling Fans, Electric
- Property Attached No
Kitchen & Interior
- Appliances Some Gas Appliances, Dishwasher, Electric Oven, Disposal, Gas Range, Gas Water Heater, Microwave, Plumbed For Gas
- Interior Features Chandelier, Decorative Designer Lighting Fixtures, Double Vanity, Eat In Kitchen, High Speed Internet, Kitchen Island, Pantry, Cable Tv, Walk In Closets, Wired For Sound
- Fireplaces 1
- Fireplace Features Gas
Lot & Exterior
- Lot Features Back Yard, Irregular Lot, Lawn, Landscaped, Few Trees
- Exterior Features Rain Gutters
- Patio & Porch Features Covered
- Fencing Wood
- Pool Yes
- Pool Features Community
Parking
- Parking Concrete, Door Multi, Garage Faces Front, Garage, Garage Door Opener
- Garage Spaces 2
- Covered Parking 2
- Attached Garage Yes
Taxes & HOA
- Annual Taxes $6,937
- HOA Fee $289 SemiAnnually
- HOA Includes All Facilities, Association Management, Maintenance Grounds
- Community Features Park, Pool, Trails Paths
- Parcel Number 000000048329
- Legal Description CARUTH LAKE PHASE 5, BLOCK E, LOT 31
- Tax Block E
- Tax Lot 31
Utilities
- Utilities Electricity Connected, Natural Gas Available, Sewer Available, Separate Meters, Water Available, Cable Available
- Water Public
- Sewer Public Sewer
Schools
- School District Rockwall ISD
- Elementary Dobbs — Rockwall ISD
- Middle JW Williams — Rockwall ISD
- High Rockwall — Rockwall ISD
Listing Information
- Listing Agent Amanda McCoy
- Brokerage Compass RE Texas, LLC
- MLS Board NTREIS
- List Date 06/15/2026
- Source Updated 10/24/2026
- Last Updated 10/24/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 871 High Cotton Lane
Rockwall CAD records for 871 High Cotton Lane, Rockwall, TX 75087 show a CAD market value of $452,443 and a net appraised value of $452,443. CAD values are used for property-tax purposes and may differ from the property's current list price or eventual sale price.
TAX INFO FOR NORMAL PEOPLE
A plain-English look at Rockwall CAD property-tax and appraisal records for 871 High Cotton Lane, Rockwall, TX 75087, including CAD market value, appraised value, exemptions, taxing entities, improvement records, and value history.
View Official Rockwall CAD Property Record
1. CAD Big Picture: Land + Improvements = Market Value
This shows what the CAD market value is made of. Appraisal districts usually separate value between the land and the improvements. Improvements may include the home, garages, shops, patios, pools, decks, storage, and other structures.
Land Value $155,000 + Improvement Value $297,443 = CAD Market Value $452,443
2. Improvement Details: Size, Type & Assessed Value
This is a breakdown of the improvements CAD has listed for the property and the square footage or area connected to those records. CAD improvement records may include the main living area, garages, shops, decks, patios, pools, storage, or other site improvements when available.
RESIDENTIAL
Value: $296,130 Total Area: 3690 Sqft Living Area: 3050 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| MAIN AREA | MA | 1,705 Sqft |
| MAIN AREA | MA | 1,345 Sqft |
| ATTACHED GARAGE | AG | 420 Sqft |
| COVERED PORCH | CP | 180 Sqft |
| COVERED PORCH | CP | 40 Sqft |
STG SHED 10*12
Value: $1,313 Total Area: 120 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| STORAGE | ST | 120 Sqft |
3. Current Tax Exemptions & Statutory Limitations
Property tax bills reflect two distinct types of CAD adjustments: local taxing jurisdiction exemptions (which reduce taxable value below appraised value) and statutory appraisal limitations (which limit the annual growth of appraised value itself). Each taxing entity establishes its own exemption amounts and tax rates.
The current CAD record shows a homestead exemption. Specific deduction amounts vary by taxing jurisdiction.
The current CAD record shows an exemption. Specific deduction amounts vary by taxing jurisdiction.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer’s exemptions and future tax obligations may differ.
4. Value After CAD Reductions
This is where CAD reductions, exemptions, limitations, or special-use valuation may affect the value used for tax calculations.
CAD Market Value $452,443 − All Current CAD Reductions $0 = Current Taxed Starting Point $452,443
This reflects the CAD net appraised value after current CAD reductions. Individual taxing units may use different taxable values when exemptions apply.
Combined taxable-value reduction for applicable school district (Rockwall ISD) from current exemptions on record (Homestead, Additional Exemption); current owner’s exemptions, not guaranteed to transfer to buyer. Additional local taxing units on this record also show taxable-value reductions: City Of Rockwall (-$60,000), Rockwall County (-$35,000).
5. Who Taxes It?
These are the local entities included in the current CAD/tax estimate. A property tax bill can include a city, county, school district, municipal utility district, public improvement district, or other special district. Each entity may use its own taxable value, rate, and exemption treatment.
| Entity | Taxable Value | Rate (per $100) | Est. Tax (No Ex.) | Savings | Est. Tax (Current) |
|---|---|---|---|---|---|
|
City
CITY OF ROCKWALL |
$392,443 | 0.2575 | $1,165 | -$372 | $793 |
|
County
ROCKWALL COUNTY |
$417,443 | 0.2510 | $1,136 | -$303 | $832 |
|
School District
ROCKWALL ISD |
$232,443 (H) | 1.0669 | $4,827 | -$4,056 | $771 |
(H) Taxable reduction reflected in school district taxable value.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer's exemptions and future tax obligations may differ.
6. Estimated Tax Bottom Line
Est. Taxes (No Exemptions) $7,128 − Est. Tax Reductions / Savings $4,732 = Est. Taxes (With Current Exemptions) $2,396
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $4,732. Estimated taxes without exemptions are calculated by applying each jurisdiction's tax rate to its pre-exemption taxable value. Exemption savings represent the difference between this unexempted estimate and the county's current tax estimate. Taxable values and tax rates vary by jurisdiction. Future taxes depend on buyer qualification and future adopted rates.
The current tax estimate reflects a homestead exemption on the property's present CAD record. That exemption does not automatically transfer to a new owner; a buyer must qualify for their own exemptions. For comparison, the current estimate is $2,396 with the exemptions shown today and $7,128 without exemptions. Actual future taxes will depend on buyer eligibility, future appraised values, and adopted tax rates.
7. CAD Values Over Time
YOY Change reflects the change in CAD Market Value from the prior appraisal year. Taxed / Appraised reflects the CAD net appraised value after CAD reductions, or the certified capped appraisal value where jurisdictions differ. Individual taxing units may use different taxable values when exemptions apply.
| Year | Land | Impr. | Market | Taxed / Appraised | YOY Change |
|---|---|---|---|---|---|
| 2021 | $91,020 | $208,800 | $299,820 | $299,820 | +$5,680 / +1.93% |
| 2022 | $155,000 | $244,220 | $399,220 | $331,242 | +$99,400 / +33.15% |
| 2023 | $178,250 | $274,091 | $452,341 | $364,405 | +$53,121 / +13.31% |
| 2024 | $155,000 | $306,385 | $461,385 | $400,415 | +$9,044 / +2.00% |
| 2025 | $155,000 | $305,161 | $460,161 | $440,307 | -$1,224 / -0.27% |
| 2026 | $155,000 | $297,443 | $452,443 | $452,443 | -$7,718 / -1.68% |
8. List Price vs CAD Value
The current list price and the county’s CAD market value are not the same thing. CAD market value is used for property-tax context and may lag the open market, reflect prior protests, exemptions, caps, agricultural or special-use treatment, or other appraisal district methods.
How does the list price compare with the CAD value?
CAD values are appraisal-district values used for property-tax purposes and can differ from current asking prices and eventual sale prices.
Current List Price $424,900 − Current CAD Market Value $452,443 = Under CAD Value -$27,543 (-6.1%)
A sale price can become part of the appraisal district’s future evidence. A buyer’s future taxable value and tax bill may change after purchase, especially if exemptions, caps, or special-use valuation change.
For tax planning, buyers should confirm future taxable value, exemptions, and special-use treatment with the appraisal district, tax office, lender, CPA, or other qualified advisor.
LIFE AROUND CARUTH LAKES PH 5
A curated look at local favorites, everyday stops, and lifestyle context near this property.