---
document_type: "real_estate_listing_companion"
document_version: "property-markdown-v0.2"
mls_id: "21205250"
canonical_url: "https://www.steavycarter.com/mls/21205250/"
markdown_url: "https://www.steavycarter.com/mls/21205250.md"
address: "9981 Waterfront Trail, Rowlett, TX 75087"
status: "Active"
price_usd: 289000
bedrooms: 3
bathrooms: "3"
living_area_sqft: 1887
lot_acres: 0.09
year_built: 1986
school_district: "Rockwall ISD"
primary_image: "https://images.steavycarter.com/21205250-01.jpeg"
image_count: 26
has_video: false
has_3d_tour: true
listing_source_updated_at: "2026-07-30T18:14:38.000Z"
listing_context_updated_at: "2026-08-19 17:01:57"
publisher: "Steavy Carter Realtor – Dallas and Rockwall, Texas"
---

# 9981 Waterfront Trail, Rowlett, TX 75087

**MLS 21205250 · $289,000 · Active · 3 beds · 3 baths · 1,887 Sq Ft · 0.09 acres**

## Explore the Visual Property Page

- [Complete visual property page](https://www.steavycarter.com/mls/21205250/)

## Current Status and Data Freshness

- **Status:** Active
- **Current list price:** $289,000
- **MLS/listing source updated:** July 30, 2026
- **ListingContext updated:** August 19, 2026
- **Important:** Price, availability, schools, taxes, and listing status can change. Confirm time-sensitive information before relying on it.

## Fast Answers

- **How much is 9981 Waterfront Trail?** $289,000.
- **How large is the home?** 1,887 Sq Ft.
- **How much land is included?** 0.09 acres.
- **How many bedrooms and bathrooms?** 3 bedrooms and 3 full bathrooms.
- **How much garage or covered parking is reported?** 1 garage space.
- **What school district serves the property?** Rockwall ISD. Buyers should verify current assignments directly with the district.
- **Are video and 3D tours available?** 3D tour only
- **What is the current CAD tax estimate?** Approximately $1,530 using the current recorded exemptions and rates. A buyer's future taxes may differ.

## Quick Facts

| Detail | Value |
|---|---|
| **MLS number** | 21205250 |
| **Price** | $289,000 |
| **Price per square foot** | $153 / Sq Ft |
| **Status** | Active |
| **Property type** | Residential / Condominium |
| **Bedrooms** | 3 |
| **Bathrooms** | 3 |
| **Living area** | 1,887 Sq Ft |
| **Lot size** | 0.09 acres |
| **Year built** | 1986 |
| **Garage / covered parking** | 1 garage space |
| **School district** | Rockwall ISD |
| **County** | Rockwall County |

## Detailed Listing Facts

### Overview

- **Property Type**: Residential
- **Property Subtype**: Condominium
- **Subdivision**: Heritage On The Lake-Waterfron
- **Community**: Heritage On The Lake-Waterfron
- **County**: Rockwall
- **Days on Market**: 314

### Home

- **Bedrooms**: 3
- **Bathrooms**: 3
- **Full Baths**: 3
- **Square Feet**: 1,887 Sq Ft
- **Price / Sq Ft**: $153 / Sq Ft
- **Year Built**: 1986
- **Stories**: 2
- **Levels**: Two
- **Construction**: Brick
- **Foundation**: Slab
- **Roof**: Composition
- **Property Attached**: Yes

### Kitchen and Interior

- **Appliances**: Dishwasher, Electric Range, Disposal, Microwave
- **Interior Features**: Double Vanity, Open Floorplan, Walk In Closets
- **Accessibility Features**: Accessible Full Bath, Stair Lift
- **Flooring**: Carpet, Ceramic Tile
- **Heating**: Central, Electric
- **Cooling**: Central Air, Ceiling Fans, Electric
- **Fireplaces**: 1
- **Fireplace Features**: Living Room, Wood Burning
- **Security Features**: Smoke Detectors

### Lot and Exterior

- **Lot Size**: 0.09 acres
- **Lot Size Sq Ft**: 4,008
- **Lot Features**: Sprinkler System, Waterfront
- **Exterior Features**: Rain Gutters
- **Waterfront Features**: Lake Front, Waterfront
- **View Features**: Water
- **Pool**: No

### Parking and Garage

- **Parking**: Garage Faces Front, Garage, Garage Door Opener
- **Garage Spaces**: 1
- **Covered Parking**: 1
- **Attached Garage**: Yes

### MLS Tax and HOA Fields

- **Annual Taxes**: $6,679
- **HOA Fee**: $376 Monthly
- **HOA Includes**: All Facilities, Association Management, Maintenance Grounds, Trash
- **Parcel Number**: 000000029531
- **APN**: 000000029531
- **Legal Description**: HERITAGE ON THE LAKE-WATERFRONT CARRIAGE HOME

### Utilities

- **Utilities**: Sewer Available, Water Available
- **Water**: Public
- **Sewer**: Public Sewer

### Schools

- **Elementary:** Doris Cullins-Lake Pointe · Rockwall ISD
- **Middle:** JW Williams · Rockwall ISD
- **High:** Rockwall · Rockwall ISD

### Listing Information

- **MLS #**: 21205250
- **MLS Board**: NTREIS
- **List Date**: 2026-03-11
- **Source Updated**: 2026-07-30T18:14:38.000Z
- **Last Updated**: 2026-08-19 17:01:57

## Featured Spaces

### 1. Primary listing photo for 9981 Waterfront Trail, Rowlett, TX 75087
- **Caption:** Primary real estate listing photo for 9981 Waterfront Trail, Rowlett, TX 75087.
- **Image:** [https://images.steavycarter.com/21205250-01.jpeg](https://images.steavycarter.com/21205250-01.jpeg)

### 2. Listing photo 2 for 9981 Waterfront Trail, Rowlett, TX 75087
- **Caption:** Real estate listing photo 2 for 9981 Waterfront Trail, Rowlett, TX 75087.
- **Image:** [https://images.steavycarter.com/21205250-02.jpeg](https://images.steavycarter.com/21205250-02.jpeg)

### 3. Listing photo 3 for 9981 Waterfront Trail, Rowlett, TX 75087
- **Caption:** Real estate listing photo 3 for 9981 Waterfront Trail, Rowlett, TX 75087.
- **Image:** [https://images.steavycarter.com/21205250-03.jpeg](https://images.steavycarter.com/21205250-03.jpeg)

### 4. Listing photo 4 for 9981 Waterfront Trail, Rowlett, TX 75087
- **Caption:** Real estate listing photo 4 for 9981 Waterfront Trail, Rowlett, TX 75087.
- **Image:** [https://images.steavycarter.com/21205250-04.jpeg](https://images.steavycarter.com/21205250-04.jpeg)

### 5. Listing photo 5 for 9981 Waterfront Trail, Rowlett, TX 75087
- **Caption:** Real estate listing photo 5 for 9981 Waterfront Trail, Rowlett, TX 75087.
- **Image:** [https://images.steavycarter.com/21205250-05.jpeg](https://images.steavycarter.com/21205250-05.jpeg)

## Visual Property Index

The ListingContext record contains 26 analyzed public images. This compact index preserves room labels and captions without embedding every image.

| Photo | Room or area | Image title | Caption |
| ---: | --- | --- | --- |
| 1 |  | [Primary listing photo for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-01.jpeg) | Primary real estate listing photo for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 2 |  | [Listing photo 2 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-02.jpeg) | Real estate listing photo 2 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 3 |  | [Listing photo 3 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-03.jpeg) | Real estate listing photo 3 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 4 |  | [Listing photo 4 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-04.jpeg) | Real estate listing photo 4 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 5 |  | [Listing photo 5 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-05.jpeg) | Real estate listing photo 5 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 6 |  | [Listing photo 6 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-06.jpeg) | Real estate listing photo 6 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 7 |  | [Listing photo 7 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-07.jpeg) | Real estate listing photo 7 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 8 |  | [Listing photo 8 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-08.jpeg) | Real estate listing photo 8 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 9 |  | [Listing photo 9 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-09.jpeg) | Real estate listing photo 9 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 10 |  | [Listing photo 10 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-10.jpeg) | Real estate listing photo 10 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 11 |  | [Listing photo 11 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-11.jpeg) | Real estate listing photo 11 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 12 |  | [Listing photo 12 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-12.jpeg) | Real estate listing photo 12 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 13 |  | [Listing photo 13 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-13.jpeg) | Real estate listing photo 13 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 14 |  | [Listing photo 14 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-14.jpeg) | Real estate listing photo 14 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 15 |  | [Listing photo 15 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-15.jpeg) | Real estate listing photo 15 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 16 |  | [Listing photo 16 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-16.jpeg) | Real estate listing photo 16 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 17 |  | [Listing photo 17 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-17.jpeg) | Real estate listing photo 17 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 18 |  | [Listing photo 18 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-18.jpeg) | Real estate listing photo 18 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 19 |  | [Listing photo 19 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-19.jpeg) | Real estate listing photo 19 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 20 |  | [Listing photo 20 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-20.jpeg) | Real estate listing photo 20 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 21 |  | [Listing photo 21 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-21.jpeg) | Real estate listing photo 21 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 22 |  | [Listing photo 22 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-22.jpeg) | Real estate listing photo 22 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 23 |  | [Listing photo 23 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-23.jpeg) | Real estate listing photo 23 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 24 |  | [Listing photo 24 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-24.jpeg) | Real estate listing photo 24 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 25 |  | [Listing photo 25 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-25.jpeg) | Real estate listing photo 25 for 9981 Waterfront Trail, Rowlett, TX 75087. |
| 26 |  | [Listing photo 26 for 9981 Waterfront Trail, Rowlett, TX 75087](https://images.steavycarter.com/21205250-26.jpeg) | Real estate listing photo 26 for 9981 Waterfront Trail, Rowlett, TX 75087. |

## Property Video and 3D Tour

- **3D tour:** [Open the PropertyPanorama tour](https://www.propertypanorama.com/instaview/ntreis/21205250)

## Schools

- **Elementary:** Doris Cullins-Lake Pointe · Rockwall ISD
- **Middle:** JW Williams · Rockwall ISD
- **High:** Rockwall · Rockwall ISD

Buyers should verify current school assignments directly with Rockwall ISD before making decisions based on school zoning.

## Commute Context

- **DFW Airport:** approximately 38 mins (29.9 mi)
- **Dallas Love Field:** approximately 25 mins (19.8 mi)
- **Downtown Dallas:** approximately 24 mins (18.9 mi)
- **The Star in Frisco:** approximately 28 mins (22.1 mi)
- **PGA Frisco:** approximately 35 mins (27.9 mi)

Drive times are route-based estimates and may change with traffic, weather, road work, and route choice.

## Life Around the Property

The categories below are curated display groups. Their order is presentation order, not an objective ranking of the best places.

### Dining

- **Burger:** Hawaiian Bros Island Grill, Rooster Roo Hot Chicken
- **Fine Dining:** The Oar House
- **Pizza:** Valentinos Ristorante Italiano, Zanata
- **Chef-Owned / Local Dining:** Bankhead Brewpub, Sammy Lou's Home Cooking & BBQ
- **Farm-to-Table:** Lakewood Cafe, Wade's Landing
- **Cocktail:** Ramblin Rose

### Errands

- **Nearby Gas:** 7-Eleven
- **Premium-Fuel Stop:** 7-Eleven
- **Pharmacy:** Walgreens Pharmacy, CVS Pharmacy
- **Bank:** American National Bank of Texas
- **Urgent Care:** Integrity Urgent Care - Rowlett
- **Grocery:** Tom Thumb, Walmart Neighborhood Market

### Activities

- **Parks & Recreation:** WATERVIEW PARK, Twin Star Park
- **Clubs & Sports:** BULLITT SPORTS CENTER, Waterview Swim School
- **Adventure & Action:** Rowlett Bowl-a-Rama, LEASING OFFICE
- **Lifestyle & Music:** Supreme Foot Massage Spa, FOOT PALACE

## CAD Tax and Valuation Summary

| Detail | Value |
|---|---|
| **CAD source** | County Appraisal District |
| **CAD PID** | 29531 |
| **Tax year** | 2026 |
| **Official CAD page** | [https://www.rockwallcad.com/property-detail/29531/2026](https://www.rockwallcad.com/property-detail/29531/2026) |
| **CAD market value** | $345,261 |
| **CAD land value** | $200,000 |
| **CAD improvement value** | $145,261 |
| **CAD appraised value** | $345,261 |
| **CAD net appraised / current taxed starting point** | $345,261 |
| **Estimated taxes before current exemptions** | $7,339.53 |
| **Current exemption impact** | -$5,809.09 |
| **Estimated taxes with current exemptions** | $1,530.44 |
| **Total tax rate** | 2.1258% |
| **Parcel size** | 0.0922 acres |

These figures describe the current public CAD record. A buyer’s future tax bill may differ based on exemptions, future appraised values, adopted tax rates, and other changes. This is not tax or legal advice.

## List Price vs. CAD Value

| Detail | Value |
|---|---|
| **List price** | $289,000 |
| **CAD market value** | $345,261 |
| **Difference** | -$56,261 Under CAD Value |

CAD market value is not the listing price, a lender appraisal, a prediction of the final sale price, or a future-tax guarantee. The comparison only shows the difference between the current asking price and the county appraisal district’s market-value record.

## CAD Details

| Detail | Value |
|---|---|
| **Legal description** | HERITAGE ON THE LAKE-WATERFRONT CARRIAGE HOMES UNIT 9981 BLDG 21 .0433% OWNERSHIP OF COMMON AREA |
| **Total land value** | $200,000 |
| **Total market acres** | 0.0922 |
| **Current special-use reduction** | -$0 |

### Current Exemption Context

- **Current exemption shown:** Homestead, OTHER
- **School taxable-value reduction reflected in the current record:** $220,000

### Taxing Units

| Taxing unit | Rate | Taxable value | Estimated tax with current exemptions | Estimated tax reduction |
| --- | --- | --- | --- | --- |
| City Of Rowlett (H) | 0.807891% | $310,261 | $1,018.30 | -$1,771.03 |
| Rockwall County (H) | 0.251% | $310,261 | $512.14 | -$354.47 |
| Rockwall ISD (H) | 1.0669% | $125,261 | $0.00 | -$3,683.59 |

(H) indicates the current record reflects a homestead-related school taxable-value reduction.

### Improvements

#### Residential

- **CAD assessed improvement value:** $145,261
- **Total area:** 2,056 Sq Ft
- **Living area:** 1,723 Sq Ft
- Main Area: 1,723 Sq Ft
- Attached Garage: 253 Sq Ft
- OPEN PORCH: 80 Sq Ft

### CAD Market Value History

| Year | CAD market value | Land value | Improvement value | Market YOY change |
| --- | --- | --- | --- | --- |
| 2018 | $217,980 | $84,000 | $133,980 | Baseline |
| 2019 | $237,900 | $81,200 | $156,700 | +$19,920 (+9.14%) |
| 2020 | $235,640 | $81,200 | $154,440 | $-2,260 (-0.95%) |
| 2021 | $231,100 | $81,200 | $149,900 | $-4,540 (-1.93%) |
| 2022 | $304,460 | $160,000 | $144,460 | +$73,360 (+31.74%) |
| 2023 | $361,210 | $200,000 | $161,210 | +$56,750 (+18.64%) |
| 2024 | $375,531 | $216,000 | $159,531 | +$14,321 (+3.96%) |
| 2025 | $348,808 | $200,000 | $148,808 | $-26,723 (-7.12%) |
| 2026 | $345,261 | $200,000 | $145,261 | $-3,547 (-1.02%) |

## Contact and Request Information

Have questions about this home?

- [Open the complete property page to request information or schedule a showing](https://www.steavycarter.com/mls/21205250/)

## Sources, Methodology, and Limitations

- **Canonical visual property page:** [https://www.steavycarter.com/mls/21205250/](https://www.steavycarter.com/mls/21205250/)
- **Listing facts:** Public listing data normalized through ListingContext.
- **Property summary and Buyer Match:** Approved curated property analysis from `curatedContent`.
- **Visual observations:** Existing titles, captions, and room labels from `media.images.gallery[]` in ListingContext.
- **CAD context:** Public-safe Rockwall CAD information, when available.
- **Local context:** Curated Local Expert groups and route-based commute estimates.
- **3D tour:** [https://www.propertypanorama.com/instaview/ntreis/21205250](https://www.propertypanorama.com/instaview/ntreis/21205250)
- **Official CAD record:** [https://www.rockwallcad.com/property-detail/29531/2026](https://www.rockwallcad.com/property-detail/29531/2026)
- **Structured property data:** [View the property JSON-LD schema](https://www.steavycarter.com/mls/21205250/schema.json)
- **Publisher:** Steavy Carter Realtor – Dallas and Rockwall, Texas.

This Markdown companion is a public reading-layer projection, not a raw JSON dump. It omits owner, deed, protest, private prospecting, raw source-receipt, internal Worker, and internal identifier data. Listing status, price, schools, taxes, and availability should be verified before reliance.