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Single Family ResidenceResidential
$867,645$192 / 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 94How 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

640 WILLOW RIDGE CIR

PROSPER, TX 75078
5
Beds
4
Baths
4,519 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.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$868K
$819K low$917K 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.$532,995
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$426,396
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.36%
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.$334,650
GOODMORTGAGE.COM · recorded Mar 18, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,217 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$939,129 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$290,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$648,729
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$917,784
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$939,129

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.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
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.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
74
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyCollin
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 138 ft²

Transaction History(5)

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.

E
Folsom Elementary SchoolA-
Elementary · Grades KG–5 · 0.8 mi
M
Rogers Middle SchoolA+
Middle · Grades 6–8 · 1.2 mi
H
Walnut Grove High SchoolB+
High · Grades 9–12 · 2.2 mi

District: Prosper Independent School District

Neighborhood · ZIP 75078These 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.49
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.41%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.49,045
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,435 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$166,233
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$200,017
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

640 Willow Ridge Cir 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 88% of homes in Collin County
  • Costs less per square foot than 90% of homes in Prosper 75078
  • Bigger than 95% of homes in Collin County
  • Older than 88% of homes in Prosper 75078

What homes are worth in Prosper 75078

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

This home
$376K$1.9M

This home is worth more than 60% of homes in Prosper 75078.

How it measures up in Prosper 75078

The dot is this home. The mark in the middle is the typical home in Prosper 75078.

Estimated value$867,645
CheaperTypical $793,731Pricier

Pricier than 60% of homes nearby

Price per ft²$192
CheaperTypical $240Pricier

Pricier than 10% of homes nearby

Living area4,519 ft²
SmallerTypical 3,420 ft²Bigger

Bigger than 89% of homes nearby

Year built2006
OlderTypical 2018Newer

Newer than 12% of homes nearby

How 640 Willow Ridge Cir ranks against every home in each area.
MeasureThis homeProsper 75078Collin County
Estimated valuepricier than$867,64560% of homes88% of homes
Price per ft²pricier than$19210% of homes31% of homes
Living areabigger than4,519 ft²89% of homes95% of homes
Year builtnewer than200612% of homes58% of homes

About 640 Willow Ridge Cir

How much is 640 Willow Ridge Cir, Prosper, TX worth?

The TopHap Estimate for 640 Willow Ridge Cir, Prosper, TX is $867,645 as of Jul 14, 2026. The likely range is $818,783 to $916,507. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Willow Ridge Cir, Prosper, TX last sell?

640 Willow Ridge Cir, Prosper, TX last sold on Mar 18, 2016, according to the county's recorded deed.

How big is 640 Willow Ridge Cir, Prosper, TX?

640 Willow Ridge Cir, Prosper, TX has 5 bedrooms, 4 bathrooms and 4,519 square feet of living space.

When was 640 Willow Ridge Cir, Prosper, TX built?

640 Willow Ridge Cir, Prosper, TX was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 640 Willow Ridge Cir, Prosper, TX?

640 Willow Ridge Cir, Prosper, TX is assigned to Folsom Elementary School (elementary), rated A-; Rogers Middle School (middle), rated A+; Walnut Grove High School (high), rated B+. All sit in Prosper Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Willow Ridge Cir, Prosper, TX compare to other homes in Prosper 75078?

Among the 18,714 homes in Prosper 75078, it is worth more than 60% of them ($867,645 against a typical $793,731), its price per square foot is higher than 10% of them ($192 against a typical $240), it is bigger than 89% of them (4,519 ft² against a typical 3,420 ft²) and it is newer than 12% of them (2006 against a typical 2018). Measured against all of Collin County, it is worth more than 88% 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 640 Willow Ridge Cir, Prosper, TX?

The 2024 property tax bill for 640 Willow Ridge Cir, Prosper, TX was $13,217. The county assessed it at $939,129.

Closest homes

More homes in Prosper 75078

Assigned schools

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