- Rockwall County
- Rockwall TX
- 75087
- Local Area: Caruth Lake Ph 4
- Pool
- Rockwall ISD
- Backup Generator
- Spa / Hot Tub
- Covered Parking
- Gas Fireplace
- Covered Patio
Property Overview
Beautifully maintained and truly move-in ready, this single-story, four-bedroom home is located in the quiet Carruth Lake community of Rockwall. The spacious, well-designed floor plan features no carpet throughout, a dedicated study with custom barn doors, and generously sized secondary bedrooms. The private primary suite includes a beautifully updated bath with an automatic toilet and stylish finishes.
Step outside to your own backyard retreat with a sparkling heated pool and spa, perfect for relaxing, entertaining or enjoying Texas summers. Recent improvements include a new HVAC system and new water heater, while a whole-home generator provides added convenience and peace of mind.
With comfortable living spaces, thoughtful updates and desirable single-story living, this home offers an easy, move-in-ready lifestyle in an established Rockwall neighborhood convenient to shopping, dining, schools and every day amenities.
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Property highlights
Year Built 1998
School District Rockwall ISD
HOA $289 SemiAnnually
Pool Pool
Parking 2-car garage, 2 covered
Gated Gated entry
Architecture Traditional, Detached
Outdoor Living Covered Patio
Fireplace 1 Fireplaces
Full Property Details
Property Details
PROPERTY HIGHLIGHTS
Quick Details
- Price $519,000
- Status Active
- Bedrooms 4
- Bathrooms 2
- Square Feet 2,289 Sq Ft
- Lot Size 0.21 acres
- Lot Size Sq Ft 8,930
- Year Built 1998
- Price / Sq Ft $227 / Sq Ft
- MLS # 21336279
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- Property Condition Resale
- County Rockwall
- Subdivision Caruth Lake Ph 4
- Days on Market 55
Home Details
- Architectural Style Traditional, Detached
- Stories 1
- Levels One
- Full Baths 2
- Half Baths 0
- Construction Brick, Wood Siding
- Foundation Slab
- Roof Composition, Shingle
- Flooring Ceramic Tile, Hardwood, Tile, Wood
- Heating Central, Fireplaces, Natural Gas
- Cooling Central Air, Ceiling Fans, Electric
- Property Attached No
Kitchen & Interior
- Appliances Some Gas Appliances, Convection Oven, Dishwasher, Electric Oven, Gas Cooktop, Disposal, Gas Water Heater, Microwave, Plumbed For Gas, Vented Exhaust Fan, Wine Cooler
- Interior Features Built In Features, Chandelier, Decorative Designer Lighting Fixtures, Double Vanity, Eat In Kitchen, Granite Counters, High Speed Internet, Kitchen Island, Open Floorplan, Pantry, Cable Tv, Walk In Closets
- Laundry Features Washer Hookup, Dryer Hookup, Electric Dryer Hookup, Laundry In Utility Room
- Fireplaces 1
- Fireplace Features Decorative, Gas, Gas Log, Gas Starter, Living Room, Masonry, Raised Hearth
- Security Features Smoke Detectors, Security Lights
Lot & Exterior
- Lot Features Interior Lot, Landscaped, Subdivision, Few Trees
- Exterior Features Lighting, Private Yard, Rain Gutters
- Patio & Porch Features Rear Porch, Patio, Covered
- Fencing Back Yard, Fenced, Full, Gate, Privacy, Wood
- Pool Yes
- Pool Features Gunite, Heated, In Ground, Outdoor Pool, Pool, Private, Pool Sweep, Pool Spa Combo, Waterfall, Water Feature
Parking
- Parking Concrete, Covered, Direct Access, Door Single, Driveway, Enclosed, Garage, Garage Door Opener, Inside Entrance, Kitchen Level, Lighted, Private, Garage Faces Side, Storage
- Garage Spaces 2
- Covered Parking 2
- Attached Garage Yes
Taxes & HOA
- Annual Taxes $7,356
- HOA Fee $289 SemiAnnually
- HOA Includes All Facilities, Association Management
- Community Features Fishing, Lake, Playground, Park, Trails Paths, Curbs, Sidewalks
- Parcel Number 000000048283
- Legal Description CARUTH LAKE PHASE 4, BLOCK D, LOT 3
- Tax Block D
- Tax Lot 3
Utilities
- Utilities Electricity Available, Electricity Connected, Natural Gas Available, Phone Available, Sewer Available, Separate Meters, Underground Utilities, Water Available, Cable Available
- Water Public
- Sewer Public Sewer
- Other Equipment Generator
Schools
- School District Rockwall ISD
- Elementary Dobbs — Rockwall ISD
- Middle Herman E Utley — Rockwall ISD
- High Rockwall — Rockwall ISD
Listing Information
- Listing Agent Patty Sheets
- Brokerage Coldwell Banker Realty
- MLS Board NTREIS
- List Date 08/18/2026
- Source Updated 10/12/2026
- Last Updated 10/12/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 987 Midnight Pass
Rockwall CAD records for 987 Midnight Pass, Rockwall, TX 75087 show a CAD market value of $458,809 and a net appraised value of $458,809. 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 987 Midnight Pass, 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 $303,809 = CAD Market Value $458,809
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: $282,353 Total Area: 3066 Sqft Living Area: 2289 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| MAIN AREA | MA | 2,289 Sqft |
| ATTACHED GARAGE | AG | 464 Sqft |
| COVERED PORCH | CP | 17 Sqft |
| PERGOLA | PERGOLA | 296 Sqft |
SWIMMING POOL
Value: $21,107 Total Area: 1 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| SWIMMING POOL | SW | — |
STORAGE
Value: $349 Total Area: 25 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| STORAGE | ST | 25 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 Over-65 senior citizen 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 $458,809 − All Current CAD Reductions $0 = Current Taxed Starting Point $458,809
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, Over-65); 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 (-$458,809), Rockwall County (-$458,809).
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 |
$0 | 0.2575 | $1,181 | -$1,181 | $0 |
|
County
ROCKWALL COUNTY |
$0 | 0.2510 | $1,152 | -$1,152 | $0 |
|
School District
ROCKWALL ISD |
$0 (H) | 1.0669 | $4,895 | -$4,895 | $0 |
(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) $7,228 − Est. Tax Reductions / Savings $7,228 = Est. Taxes (With Current Exemptions) $0
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $7,228. 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 $0 with the exemptions shown today and $7,228 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 | $207,720 | $298,740 | $298,740 | +$4,000 / +1.36% |
| 2022 | $155,000 | $241,160 | $396,160 | $328,614 | +$97,420 / +32.61% |
| 2023 | $178,250 | $262,019 | $440,269 | $361,475 | +$44,109 / +11.13% |
| 2024 | $155,000 | $288,404 | $443,404 | $397,623 | +$3,135 / +0.71% |
| 2025 | $155,000 | $311,912 | $466,912 | $466,912 | +$23,508 / +5.30% |
| 2026 | $155,000 | $303,809 | $458,809 | $458,809 | -$8,103 / -1.74% |
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 $519,000 − Current CAD Market Value $458,809 = Over CAD Value +$60,191 (+13.1%)
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 LAKE PH 4
A curated look at local favorites, everyday stops, and lifestyle context near this property.