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Single Family ResidenceResidential
$423,832$176 / 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
Last sold for $255,000 on Jun 20, 2017

986 MIDNIGHT PASS

ROCKWALL, TX 75087
4
Beds
2
Baths
2,403 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$424K
$398K low$450K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$255,000 · Jun 20, 2017
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.$219,832
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$175,866
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.47%
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.$204,000
QUICKEN LNS · recorded Jun 20, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,268 (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.$400,943 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$155,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$245,943
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$392,847
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$400,943

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
Lot (acres)The size of the land the home sits on, from county records.0.18
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
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.Patio · 286 ft²Porch · 12 ft²

Transaction History(2)

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
Howard Dobbs Elementary SchoolA-
Elementary · Grades PK–6 · 0.6 mi
M
Herman E. Utley Middle SchoolA-
Middle · Grades 7–8 · 1.7 mi
H
Rockwall High SchoolA
High · Grades 10–12 · 2.5 mi

District: Rockwall Independent School District

Neighborhood · ZIP 75087These 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.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
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.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.54,034
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,581 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$119,886
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,394
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.41 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

986 Midnight Pass 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.

  • Costs less per square foot than 77% of homes in Caruth Lakes
  • Has a smaller lot than 67% of homes in Caruth Lakes
  • Older than 72% of homes in Caruth Lakes

What homes are worth in Rockwall 75087

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

This home
$250K$959K

This home is worth more than 40% of homes in Rockwall 75087.

How it measures up in Rockwall 75087

The dot is this home. The mark in the middle is the typical home in Rockwall 75087.

Estimated value$423,832
CheaperTypical $457,911Pricier

Pricier than 40% of homes nearby

Price per ft²$176
CheaperTypical $184Pricier

Pricier than 39% of homes nearby

Living area2,403 ft²
SmallerTypical 2,560 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.18 ac
SmallerTypical 0.2 acBigger

Bigger than 39% of homes nearby

Year built1998
OlderTypical 2005Newer

Newer than 32% of homes nearby

How 986 Midnight Pass ranks against every home in each area.
MeasureThis homeCaruth LakesRockwall 75087Rockwall County
Estimated valuepricier than$423,83248% of homes40% of homes51% of homes
Price per ft²pricier than$17623% of homes39% of homes43% of homes
Living areabigger than2,403 ft²63% of homes44% of homes52% of homes
Lot sizebigger than0.18 ac33% of homes39% of homes42% of homes
Year builtnewer than199828% of homes32% of homes30% of homes

About 986 Midnight Pass

How much is 986 Midnight Pass, Rockwall, TX worth?

The TopHap Estimate for 986 Midnight Pass, Rockwall, TX is $423,832 as of Jul 14, 2026. The likely range is $398,122 to $449,542. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 986 Midnight Pass, Rockwall, TX last sell?

986 Midnight Pass, Rockwall, TX last sold on Jun 20, 2017 for $255,000, according to the county's recorded deed.

How big is 986 Midnight Pass, Rockwall, TX?

986 Midnight Pass, Rockwall, TX has 4 bedrooms, 2 bathrooms, 2,403 square feet of living space and a 0.18-acre lot.

When was 986 Midnight Pass, Rockwall, TX built?

986 Midnight Pass, Rockwall, TX was built in 1998, making it 28 years old. The building has 1 story.

What schools serve 986 Midnight Pass, Rockwall, TX?

986 Midnight Pass, Rockwall, TX is assigned to Howard Dobbs Elementary School (elementary), rated A-; Herman E. Utley Middle School (middle), rated A-; Rockwall High School (high), rated A. All sit in Rockwall Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 986 Midnight Pass, Rockwall, TX compare to other homes in Rockwall 75087?

Among the 16,688 homes in Rockwall 75087, it is worth more than 40% of them ($423,832 against a typical $457,911), its price per square foot is higher than 39% of them ($176 against a typical $184), it is bigger than 44% of them (2,403 ft² against a typical 2,560 ft²), its lot is bigger than 39% of them (0.18 ac against a typical 0.2 ac) and it is newer than 32% of them (1998 against a typical 2005). Measured against all of Rockwall County, it is worth more than 51% 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 986 Midnight Pass, Rockwall, TX?

The 2025 property tax bill for 986 Midnight Pass, Rockwall, TX was $1,268. The county assessed it at $400,943.

Closest homes

More homes in Rockwall 75087

Assigned schools

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