---
document_type: "real_estate_listing_companion"
document_version: "property-markdown-v0.2"
mls_id: "21242895"
canonical_url: "https://www.steavycarter.com/mls/21242895/"
markdown_url: "https://www.steavycarter.com/mls/21242895.md"
address: "1023 High Cotton Lane, Rockwall, TX 75087"
status: "Active"
price_usd: 420000
bedrooms: 4
bathrooms: "3"
living_area_sqft: 2680
lot_acres: 0.22
year_built: 2001
school_district: "Rockwall ISD"
primary_image: "https://images.steavycarter.com/21242895-01.jpeg"
image_count: 29
has_video: false
has_3d_tour: true
listing_source_updated_at: "2026-05-10T13:07:05.000Z"
listing_context_updated_at: "2026-05-11 16:46:01"
publisher: "Steavy Carter Realtor – Dallas and Rockwall, Texas"
---

# 1023 High Cotton Lane, Rockwall, TX 75087

**MLS 21242895 · $420,000 · Active · 4 beds · 3 baths · 2,680 Sq Ft · 0.22 acres**

## Explore the Visual Property Page

- [Complete visual property page](https://www.steavycarter.com/mls/21242895/)

## Current Status and Data Freshness

- **Status:** Active
- **Current list price:** $420,000
- **MLS/listing source updated:** May 10, 2026
- **ListingContext updated:** May 11, 2026
- **Important:** Price, availability, schools, taxes, and listing status can change. Confirm time-sensitive information before relying on it.

## Fast Answers

- **How much is 1023 High Cotton Lane?** $420,000.
- **How large is the home?** 2,680 Sq Ft.
- **How much land is included?** 0.22 acres.
- **How many bedrooms and bathrooms?** 4 bedrooms and 3 full bathrooms.
- **How much garage or covered parking is reported?** 2 garage spaces.
- **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 $1,025 using the current recorded exemptions and rates. A buyer's future taxes may differ.

## Quick Facts

| Detail | Value |
|---|---|
| **MLS number** | 21242895 |
| **Price** | $420,000 |
| **Price per square foot** | $157 / Sq Ft |
| **Status** | Active |
| **Property type** | Residential / Single Family Residence |
| **Bedrooms** | 4 |
| **Bathrooms** | 3 |
| **Living area** | 2,680 Sq Ft |
| **Lot size** | 0.22 acres |
| **Year built** | 2001 |
| **Garage / covered parking** | 2 garage spaces |
| **School district** | Rockwall ISD |
| **County** | Rockwall County |

## Detailed Listing Facts

### Overview

- **Property Type**: Residential
- **Property Subtype**: Single Family Residence
- **Subdivision**: Caruth Lake Ph 5
- **Community**: Caruth Lake Ph 5
- **County**: Rockwall
- **Days on Market**: 127

### Home

- **Bedrooms**: 4
- **Bathrooms**: 3
- **Full Baths**: 3
- **Square Feet**: 2,680 Sq Ft
- **Price / Sq Ft**: $157 / Sq Ft
- **Year Built**: 2001
- **Foundation**: Slab
- **Roof**: Composition

### Kitchen and Interior

- **Appliances**: Dishwasher, Gas Cooktop, Disposal, Microwave
- **Interior Features**: Decorative Designer Lighting Fixtures, Eat In Kitchen, Granite Counters, High Speed Internet, Multiple Master Suites, Open Floorplan, Other, Cable Tv
- **Flooring**: Simulated Wood, Tile
- **Cooling**: Central Air, Ceiling Fans
- **Fireplaces**: 1
- **Fireplace Features**: Gas Starter

### Lot and Exterior

- **Lot Size**: 0.22 acres
- **Lot Features**: Garden, Many Trees, Sprinkler System
- **Exterior Features**: Garden, Other, Rain Gutters, Storage
- **Fencing**: Wood
- **Pool**: No
- **Pool Features**: None, Community

### Parking and Garage

- **Parking**: Garage, Garage Door Opener, Garage Faces Side
- **Garage Spaces**: 2
- **Covered Parking**: 2
- **Attached Garage**: No

### MLS Tax and HOA Fields

- **Annual Taxes**: $6,697
- **HOA Fee**: $165 SemiAnnually
- **HOA Includes**: All Facilities, Association Management, Maintenance Structure

### Utilities

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

### Schools

- **Elementary:** Dobbs · Rockwall ISD
- **Middle:** Herman E Utley · Rockwall ISD
- **High:** Rockwall · Rockwall ISD

### Listing Information

- **MLS #**: 21242895
- **MLS Board**: NTREIS
- **List Date**: 2026-01-04
- **Source Updated**: 2026-05-10T13:07:05.000Z
- **Last Updated**: 2026-05-11 16:46:01

## Featured Spaces

### 1. Primary listing photo for 1023 High Cotton Lane, Rockwall, TX 75087
- **Caption:** Primary real estate listing photo for 1023 High Cotton Lane, Rockwall, TX 75087.
- **Image:** [https://images.steavycarter.com/21242895-01.jpeg](https://images.steavycarter.com/21242895-01.jpeg)

### 2. Listing photo 2 for 1023 High Cotton Lane, Rockwall, TX 75087
- **Caption:** Real estate listing photo 2 for 1023 High Cotton Lane, Rockwall, TX 75087.
- **Image:** [https://images.steavycarter.com/21242895-02.jpeg](https://images.steavycarter.com/21242895-02.jpeg)

### 3. Listing photo 3 for 1023 High Cotton Lane, Rockwall, TX 75087
- **Caption:** Real estate listing photo 3 for 1023 High Cotton Lane, Rockwall, TX 75087.
- **Image:** [https://images.steavycarter.com/21242895-03.jpeg](https://images.steavycarter.com/21242895-03.jpeg)

### 4. Listing photo 4 for 1023 High Cotton Lane, Rockwall, TX 75087
- **Caption:** Real estate listing photo 4 for 1023 High Cotton Lane, Rockwall, TX 75087.
- **Image:** [https://images.steavycarter.com/21242895-04.jpeg](https://images.steavycarter.com/21242895-04.jpeg)

### 5. Listing photo 5 for 1023 High Cotton Lane, Rockwall, TX 75087
- **Caption:** Real estate listing photo 5 for 1023 High Cotton Lane, Rockwall, TX 75087.
- **Image:** [https://images.steavycarter.com/21242895-05.jpeg](https://images.steavycarter.com/21242895-05.jpeg)

## Visual Property Index

The ListingContext record contains 29 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 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-01.jpeg) | Primary real estate listing photo for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 2 |  | [Listing photo 2 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-02.jpeg) | Real estate listing photo 2 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 3 |  | [Listing photo 3 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-03.jpeg) | Real estate listing photo 3 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 4 |  | [Listing photo 4 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-04.jpeg) | Real estate listing photo 4 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 5 |  | [Listing photo 5 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-05.jpeg) | Real estate listing photo 5 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 6 |  | [Listing photo 6 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-06.jpeg) | Real estate listing photo 6 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 7 |  | [Listing photo 7 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-07.jpeg) | Real estate listing photo 7 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 8 |  | [Listing photo 8 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-08.jpeg) | Real estate listing photo 8 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 9 |  | [Listing photo 9 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-09.jpeg) | Real estate listing photo 9 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 10 |  | [Listing photo 10 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-10.jpeg) | Real estate listing photo 10 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 11 |  | [Listing photo 11 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-11.jpeg) | Real estate listing photo 11 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 12 |  | [Listing photo 12 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-12.jpeg) | Real estate listing photo 12 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 13 |  | [Listing photo 13 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-13.jpeg) | Real estate listing photo 13 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 14 |  | [Listing photo 14 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-14.jpeg) | Real estate listing photo 14 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 15 |  | [Listing photo 15 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-15.jpeg) | Real estate listing photo 15 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 16 |  | [Listing photo 16 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-16.jpeg) | Real estate listing photo 16 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 17 |  | [Listing photo 17 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-17.jpeg) | Real estate listing photo 17 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 18 |  | [Listing photo 18 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-18.jpeg) | Real estate listing photo 18 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 19 |  | [Listing photo 19 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-19.jpeg) | Real estate listing photo 19 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 20 |  | [Listing photo 20 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-20.jpeg) | Real estate listing photo 20 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 21 |  | [Listing photo 21 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-21.jpeg) | Real estate listing photo 21 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 22 |  | [Listing photo 22 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-22.jpeg) | Real estate listing photo 22 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 23 |  | [Listing photo 23 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-23.jpeg) | Real estate listing photo 23 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 24 |  | [Listing photo 24 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-24.jpeg) | Real estate listing photo 24 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 25 |  | [Listing photo 25 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-25.jpeg) | Real estate listing photo 25 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 26 |  | [Listing photo 26 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-26.jpeg) | Real estate listing photo 26 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 27 |  | [Listing photo 27 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-27.jpeg) | Real estate listing photo 27 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 28 |  | [Listing photo 28 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-28.jpeg) | Real estate listing photo 28 for 1023 High Cotton Lane, Rockwall, TX 75087. |
| 29 |  | [Listing photo 29 for 1023 High Cotton Lane, Rockwall, TX 75087](https://images.steavycarter.com/21242895-29.jpeg) | Real estate listing photo 29 for 1023 High Cotton Lane, Rockwall, TX 75087. |

## Property Video and 3D Tour

- **3D tour:** [Open the PropertyPanorama tour](https://www.propertypanorama.com/instaview/ntreis/21242895)

## Schools

- **Elementary:** Dobbs · Rockwall ISD
- **Middle:** Herman E Utley · 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 44 mins (35.0 mi)
- **Dallas Love Field:** approximately 31 mins (24.7 mi)
- **Downtown Dallas:** approximately 29 mins (23.4 mi)
- **The Star in Frisco:** approximately 33 mins (26.4 mi)
- **PGA Frisco:** approximately 40 mins (31.8 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:** Rodeo Goat, Boots Burger
- **Fine Dining:** Bin 303, Culpepper Cattle Co.
- **Pizza:** Zanata, Luigi's Italian Cafe
- **Chef-Owned / Local Dining:** Eggsquisite Cafe, Wade's Landing
- **Farm-to-Table:** Wells Cattle Co. Burgers & Pies, The Oar House
- **Cocktail:** Beer Me Taproom, The Downing Bottles and Bites

### Errands

- **Nearby Gas:** 7-Eleven
- **Premium-Fuel Stop:** Love's Travel Stop
- **Pharmacy:** CVS Pharmacy, Walgreens Pharmacy
- **Bank:** American National Bank of Texas, Chase Bank
- **Urgent Care:** Texas Health Breeze Urgent Care
- **Grocery:** Kroger, H-E-B

### Activities

- **Parks & Recreation:** Harry Myers Park, Harry Myers Park East Pavilion
- **Clubs & Sports:** Harry Myers Disc Golf Course, Harry Myers Community Center
- **Adventure & Action:** Shenaniganz Entertainment Center, Escapology Escape Rooms Rockwall
- **Lifestyle & Music:** Huddin Homestead Fun Farm, A Dance to Remember

## CAD Tax and Valuation Summary

| Detail | Value |
|---|---|
| **CAD source** | County Appraisal District |
| **CAD PID** | 48435 |
| **Tax year** | 2026 |
| **Official CAD page** | [https://www.rockwallcad.com/property-detail/48435/2026](https://www.rockwallcad.com/property-detail/48435/2026) |
| **CAD market value** | $426,448 |
| **CAD land value** | $155,000 |
| **CAD improvement value** | $271,448 |
| **CAD appraised value** | $426,448 |
| **CAD net appraised / current taxed starting point** | $426,448 |
| **Estimated taxes before current exemptions** | $6,718.25 |
| **Current exemption impact** | -$5,692.77 |
| **Estimated taxes with current exemptions** | $1,025.48 |
| **Total tax rate** | 1.5754% |

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** | $420,000 |
| **CAD market value** | $426,448 |
| **Difference** | -$6,448 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** | CARUTH LAKE PHASE 5, BLOCK L, LOT 4 |
| **Total land value** | $155,000 |
| **Total market acres** | 0.2197 |
| **Current special-use reduction** | -$0 |
| **Total improvement value** | $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 Rockwall (H) | 0.2575% | $366,448 | $517.63 | -$580.47 |
| Rockwall County (H) | 0.251% | $391,448 | $507.85 | -$562.53 |
| Rockwall ISD (H) | 1.0669% | $206,448 | $0.00 | -$4,549.77 |

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

### CAD Market Value History

| Year | CAD market value | Land value | Improvement value | Market YOY change |
| --- | --- | --- | --- | --- |
| 2018 | $273,920 | $85,280 | $188,640 | Baseline |
| 2019 | $280,020 | $88,560 | $191,460 | +$6,100 (+2.23%) |
| 2020 | $277,790 | $88,560 | $189,230 | $-2,230 (-0.80%) |
| 2021 | $283,140 | $91,020 | $192,120 | +$5,350 (+1.93%) |
| 2022 | $389,630 | $155,000 | $234,630 | +$106,490 (+37.61%) |
| 2023 | $438,995 | $178,250 | $260,745 | +$49,365 (+12.67%) |
| 2024 | $437,079 | $155,000 | $282,079 | $-1,916 (-0.44%) |
| 2025 | $430,018 | $155,000 | $275,018 | $-7,061 (-1.62%) |
| 2026 | $426,448 | $155,000 | $271,448 | $-3,570 (-0.83%) |

## 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/21242895/)

## Sources, Methodology, and Limitations

- **Canonical visual property page:** [https://www.steavycarter.com/mls/21242895/](https://www.steavycarter.com/mls/21242895/)
- **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/21242895](https://www.propertypanorama.com/instaview/ntreis/21242895)
- **Official CAD record:** [https://www.rockwallcad.com/property-detail/48435/2026](https://www.rockwallcad.com/property-detail/48435/2026)
- **Structured property data:** [View the property JSON-LD schema](https://www.steavycarter.com/mls/21242895/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.