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Single Family ResidenceResidential
$700,585$202 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

128 SETTLEMENT LN

ROCKWALL, TX 75032
3
Beds
2
Baths
3,474 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1
StoriesHow many floors the home has above ground.

Valuation

$701K
$645K low$756K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$257,401
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,921
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.60%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$443,184
INDEPENDENCE BANK · recorded Nov 26, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,987 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$696,913 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$74,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$622,013
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$672,255
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$696,913

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.62
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
59
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
93
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
88
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyROCKWALL
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 254 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Maurine Cain Middle SchoolA-
Middle · Grades 7–8 · 2.1 mi
E
Dorothy Smith Pullen Elementary SchoolA
Elementary · Grades PK–6 · 2.3 mi
H
Rockwall-Heath High SchoolB+
High · Grades 10–12 · 3.3 mi

District: Rockwall Independent School District

Neighborhood · ZIP 75032These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.64
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.44,737
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.776 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$142,395
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$178,483
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

128 Settlement Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 84% of homes in Rockwall County
  • Costs more per square foot than 68% of homes in Rockwall County
  • Bigger than 84% of homes in Rockwall County
  • Has a bigger lot than 88% of homes in Rockwall County

What homes are worth in Rockwall 75032

Each bar is how many homes fall in that price range. The marker is this home.

This home
$195K$2M

This home is worth more than 67% of homes in Rockwall 75032.

How it measures up in Rockwall 75032

The dot is this home. The mark in the middle is the typical home in Rockwall 75032.

Estimated value$700,585
CheaperTypical $541,385Pricier

Pricier than 67% of homes nearby

Price per ft²$202
CheaperTypical $209Pricier

Pricier than 43% of homes nearby

Living area3,474 ft²
SmallerTypical 2,754 ft²Bigger

Bigger than 72% of homes nearby

Lot size1 ac
SmallerTypical 0.26 acBigger

Bigger than 79% of homes nearby

How 128 Settlement Ln ranks against every home in each area.
MeasureThis homeRockwall 75032Rockwall County
Estimated valuepricier than$700,58567% of homes84% of homes
Price per ft²pricier than$20243% of homes68% of homes
Living areabigger than3,474 ft²72% of homes84% of homes
Lot sizebigger than1 ac79% of homes88% of homes

About 128 Settlement Ln

How much is 128 Settlement Ln, Rockwall, TX worth?

The TopHap Estimate for 128 Settlement Ln, Rockwall, TX is $700,585 as of Jul 14, 2026. The likely range is $645,346 to $755,824. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 128 Settlement Ln, Rockwall, TX last sell?

128 Settlement Ln, Rockwall, TX last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 128 Settlement Ln, Rockwall, TX?

128 Settlement Ln, Rockwall, TX has 3 bedrooms, 2 bathrooms and 3,474 square feet of living space.

What schools serve 128 Settlement Ln, Rockwall, TX?

128 Settlement Ln, Rockwall, TX is assigned to Maurine Cain Middle School (middle), rated A-; Dorothy Smith Pullen Elementary School (elementary), rated A; Rockwall-Heath High School (high), rated B+. All sit in Rockwall Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 128 Settlement Ln, Rockwall, TX compare to other homes in Rockwall 75032?

Among the 13,644 homes in Rockwall 75032, it is worth more than 67% of them ($700,585 against a typical $541,385), its price per square foot is higher than 43% of them ($202 against a typical $209), it is bigger than 72% of them (3,474 ft² against a typical 2,754 ft²) and its lot is bigger than 79% of them (1 ac against a typical 0.26 ac). Measured against all of Rockwall County, it is worth more than 84% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 128 Settlement Ln, Rockwall, TX?

The 2025 property tax bill for 128 Settlement Ln, Rockwall, TX was $7,987. The county assessed it at $696,913.

Closest homes

More homes in Rockwall 75032

Assigned schools

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See this home in context

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