- Rockwall County
- Rockwall TX
- 75087
- Local Area: Caruth Lake Ph 6
Property Overview
Room to roam in Caruth Lake! Set on a nearly half-acre lot, one of the larger in the neighborhood, this Rockwall home offers the kind of space that's hard to find. Whether you're dreaming of outdoor projects or more room for weekend gatherings, this property delivers. Inside, the floor plan balances everyday comfort with easy entertaining. The main level features a welcoming living area that serves as the heart of the home, along with two dining spaces that make it easy to host a holiday dinner one day and enjoy a casual breakfast the next. The kitchen sits right in the middle of it all, keeping the cook connected to conversation and making it simple to move from meal prep to serving to clean up. The primary suite is conveniently located on the main floor, offering a private retreat at the end of the day. Its ensuite bath includes dual sinks, a garden tub, a separate shower, and a walk-in closet. Upstairs, two secondary bedrooms share a full bath, giving everyone their own space. A generous game room rounds out the second floor and serves as a second living area. Step outside to the wood-fenced backyard, where a covered deck and built-in barbecue set the scene for grilling, dining outdoors, and relaxing on warm Texas evenings. Even with these great outdoor features, there's still plenty of yard left over for a future pool, garden, play area, or room for pets to run. Life in Caruth Lake means a clubhouse, community pool, fishing, and jogging paths just outside your door, with a welcoming neighborhood feel that makes it easy to settle in and call this place home.
Featured spaces
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Property highlights
Year Built 2009
School District Rockwall Isd
HOA $288 SemiAnnually
Pool Yes
Parking 2-car garage, 2 covered
Architecture Traditional, Detached
Fireplace 1 Fireplaces
Neighborhood Caruth Lake Ph 6
Full Property Details
Property Details
Quick Details
- Price $399,000
- Status Active
- Bedrooms 3
- Bathrooms 3
- Square Feet 2,258 Sq Ft
- Lot Size 0.42 acres
- Lot Size Sq Ft 18,208
- Year Built 2009
- Price / Sq Ft $177 / Sq Ft
- MLS # 21418124
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- Property Condition Resale
- County Rockwall
- Subdivision Caruth Lake Ph 6
- Days on Market 91
Home Details
- Architectural Style Traditional, Detached
- Stories 2
- Levels Two
- Full Baths 2
- Half Baths 1
- Construction Brick
- Foundation Slab
- Roof Composition
- Flooring Carpet, Laminate, Tile
- Heating Central, Fireplaces
- Cooling Central Air, Ceiling Fans
- Property Attached No
Kitchen & Interior
- Appliances Gas Range, Microwave
- Interior Features High Speed Internet, Cable Tv, Walk In Closets
- Fireplaces 1
- Fireplace Features Living Room
Lot & Exterior
- Lot Features Interior Lot
- Exterior Features Built In Barbecue, Barbecue
- Patio & Porch Features Covered
- Fencing Wood
- Pool Yes
- Pool Features Community
Parking
- Parking Driveway, Garage Faces Rear
- Garage Spaces 2
- Covered Parking 2
- Attached Garage Yes
Taxes & HOA
- Annual Taxes $6,731
- HOA Fee $288 SemiAnnually
- HOA Includes All Facilities, Insurance
- Community Features Pool, Sidewalks, Trails Paths, Curbs
- Parcel Number 000000064226
- Legal Description CARUTH LAKE PHASE 6, BLOCK G, LOT 13
- Tax Block G
- Tax Lot 13
Utilities
- Utilities Sewer Available, Water Available, Cable Available
- Water Public
- Sewer Public Sewer
Schools
- School District Rockwall ISD
- Elementary Sherry and Paul Hamm — Rockwall ISD
- Middle JW Williams — Rockwall ISD
- High Rockwall — Rockwall ISD
Listing Information
- Listing Agent Deborah Branch
- Brokerage Ebby Halliday, REALTORS
- MLS Board NTREIS
- List Date 10/22/2026
- Source Updated 10/26/2026
- Last Updated 10/26/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 1395 Bay Line Drive
Rockwall CAD (TrueProdigy) records for 1395 Bay Line Drive, Rockwall, TX 75087 show a CAD market value of $427,758 and a net appraised value of $427,758. CAD values are used for property-tax purposes and may differ from the property's current list price or eventual sale price.
TAX INFO FOR NORMAL PEOPLE
A plain-English look at Rockwall CAD (TrueProdigy) property-tax and appraisal records for 1395 Bay Line Drive, Rockwall, TX 75087, including CAD market value, appraised value, exemptions, taxing entities, improvement records, and value history.
View Official Rockwall CAD (TrueProdigy) Property Record
1. CAD Big Picture: Land + Improvements = Market Value
This shows what the CAD market value is made of. Appraisal districts usually separate value between the land and the improvements. Improvements may include the home, garages, shops, patios, pools, decks, storage, and other structures.
Land Value $150,000 + Improvement Value $277,758 = CAD Market Value $427,758
2. Improvement Details: Size, Type & Assessed Value
This is a breakdown of the improvements CAD has listed for the property and the square footage or area connected to those records. CAD improvement records may include the main living area, garages, shops, decks, patios, pools, storage, or other site improvements when available.
RESIDENTIAL
Value: $277,758 Total Area: 3078 Sqft Living Area: 2258 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| MAIN AREA | MA | 1,459 Sqft |
| MAIN AREA | MA | 799 Sqft |
| ATTACHED GARAGE | AG | 448 Sqft |
| COVERED PORCH | CP | 60 Sqft |
| COVERED PORCH | CP | 312 Sqft |
3. Current Tax Exemptions & Statutory Limitations
Property tax bills reflect two distinct types of CAD adjustments: local taxing jurisdiction exemptions (which reduce taxable value below appraised value) and statutory appraisal limitations (which limit the annual growth of appraised value itself). Each taxing entity establishes its own exemption amounts and tax rates.
The current CAD record shows a homestead exemption. Reduces Rockwall ISD taxable value by $140,000 (from $427,758 net appraised value to $287,758 school taxable value). Current owner’s exemption, not guaranteed to transfer to buyer.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer’s exemptions and future tax obligations may differ.
4. Value After CAD Reductions
This is where CAD reductions, exemptions, limitations, or special-use valuation may affect the value used for tax calculations.
CAD Market Value $427,758 − All Current CAD Reductions $0 = Current Taxed Starting Point $427,758
This reflects the CAD net appraised value after current CAD reductions. Individual taxing units may use different taxable values when exemptions apply.
Taxable-value reduction for applicable school district (Rockwall ISD); current owner’s exemption, not guaranteed to transfer to buyer. Other local taxing units on this record apply $0 exemption reduction (taxed at $427,758 net appraised value).
5. Who Taxes It?
These are the local entities included in the current CAD/tax estimate. A property tax bill can include a city, county, school district, municipal utility district, public improvement district, or other special district. Each entity may use its own taxable value, rate, and exemption treatment.
| Entity | Taxable Value | Rate (per $100) | Est. Tax (No Ex.) | Savings | Est. Tax (Current) |
|---|---|---|---|---|---|
|
City
CITY OF ROCKWALL |
$427,758 | 0.2575 | $1,101 | — | $1,101 |
|
County
ROCKWALL COUNTY |
$427,758 | 0.2510 | $1,074 | — | $1,074 |
|
School District
ROCKWALL ISD |
$287,758 (H) | 1.0669 | $4,564 | -$1,494 | $3,070 |
(H) Taxable reduction reflected in school district taxable value.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer's exemptions and future tax obligations may differ.
6. Estimated Tax Bottom Line
Est. Taxes (No Exemptions) $6,739 − Est. Tax Reductions / Savings $1,494 = Est. Taxes (With Current Exemptions) $5,245
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $1,494. Estimated taxes without exemptions are calculated by applying each jurisdiction's tax rate to its pre-exemption taxable value. Exemption savings represent the difference between this unexempted estimate and the county's current tax estimate. Taxable values and tax rates vary by jurisdiction. Future taxes depend on buyer qualification and future adopted rates.
The current tax estimate reflects a homestead exemption on the property's present CAD record. That exemption does not automatically transfer to a new owner; a buyer must qualify for their own exemptions. For comparison, the current estimate is $5,245 with the exemptions shown today and $6,739 without exemptions. Actual future taxes will depend on buyer eligibility, future appraised values, and adopted tax rates.
7. CAD Values Over Time
YOY Change reflects the change in CAD Market Value from the prior appraisal year. Taxed / Appraised reflects the CAD net appraised value after CAD reductions, or the certified capped appraisal value where jurisdictions differ. Individual taxing units may use different taxable values when exemptions apply.
| Year | Land | Impr. | Market | Taxed / Appraised | YOY Change |
|---|---|---|---|---|---|
| 2021 | $97,200 | $194,640 | $291,840 | $291,840 | +$3,220 / +1.12% |
| 2022 | $150,000 | $241,180 | $391,180 | $321,024 | +$99,340 / +34.04% |
| 2023 | $177,000 | $264,678 | $441,678 | $353,126 | +$50,498 / +12.91% |
| 2024 | $157,500 | $273,769 | $431,269 | $388,439 | -$10,409 / -2.36% |
| 2025 | $150,000 | $284,292 | $434,292 | $427,283 | +$3,023 / +0.70% |
| 2026 | $150,000 | $277,758 | $427,758 | $427,758 | -$6,534 / -1.50% |
8. List Price vs CAD Value
The current list price and the county’s CAD market value are not the same thing. CAD market value is used for property-tax context and may lag the open market, reflect prior protests, exemptions, caps, agricultural or special-use treatment, or other appraisal district methods.
How does the list price compare with the CAD value?
CAD values are appraisal-district values used for property-tax purposes and can differ from current asking prices and eventual sale prices.
Current List Price $399,000 − Current CAD Market Value $427,758 = Under CAD Value -$28,758 (-6.7%)
A sale price can become part of the appraisal district’s future evidence. A buyer’s future taxable value and tax bill may change after purchase, especially if exemptions, caps, or special-use valuation change.
For tax planning, buyers should confirm future taxable value, exemptions, and special-use treatment with the appraisal district, tax office, lender, CPA, or other qualified advisor.
LIFE AROUND CARUTH LAKE PH 6
A curated look at local favorites, everyday stops, and lifestyle context near this property.