871 High Cotton Ln, Rockwall

Available

Welcome to 871 High Cotton Lane in the sought-after Caruth Lakes community of Rockwall — a beautifully remodeled home that feels practically brand new. From the moment you walk in, you’ll notice the fresh updates throughout, including all new fixtures, carpet, flooring, tile, and paint, creating a clean, modern feel in every room. The home also features a brand new AC, new windows and a newer roof for added peace of mind. Designed with families in mind, this spacious home offers 4 bedrooms, 2.5 baths, a dedicated office, and a media room with plenty of flexible space for work, play, and everyday living. Natural light fills the home, while the thoughtful layout provides both comfort and functionality. Step outside to enjoy the lovely shaded backyard — perfect for relaxing evenings, kids, pets, or entertaining guests. Located just minutes from Harry Myers Park, the YMCA, and vibrant downtown Rockwall, this home offers easy access to parks, trails, shopping, dining, and year-round community events while being tucked inside one of Rockwall’s most established neighborhoods. It’s the perfect combination of updated living, functional space, and an unbeatable location.

Living in Rockwall County, Texas

Rockwall County is one of the most desirable areas in North Texas, offering a balance of peaceful suburban living and quick access to Dallas. Known for its top-rated schools, beautiful neighborhoods, and strong local economy, it’s a popular choice for buyers looking for long-term value. Residents enjoy lakefront dining, outdoor recreation on Lake Ray Hubbard, and a close-knit community atmosphere. If you're considering a move, explore available homes in Rockwall here:
👉 https://www.the-mccoy-group.com/rockwall-tx-real-estate

 

Home Financing Calculator

Choose your loan type, then estimate your monthly payment with principal, interest, property taxes, hazard insurance, HOA, and loan-specific mortgage insurance where applicable.

Enter Your Numbers
Estimated Results
Estimated Monthly Payment
$0
Down Payment
$0
Base Loan Amount
$0
Financed Loan Amount
$0
Principal & Interest
$0
Monthly Taxes
$0
Monthly Hazard Insurance
$0
Monthly PMI
$0
Monthly HOA
$0

Side-by-Side Down Payment Scenarios

Compare how estimated monthly payment and PMI change at 5%, 10%, and 15% down.

Conventional Loan Mortgage Insurance

For conventional loans, PMI is estimated when the down payment is under 20% and adjusted by the credit score range and down payment entered.

PMI = (Base Loan Amount × Credit Score PMI Factor × Down Payment Adjustment) ÷ 12
Taxes are estimated from the home price and tax rate. Hazard insurance is estimated using the annual amount entered. Conventional PMI adjusts based on down payment and credit score range.
This calculator provides estimates only and does not include every possible fee or lender-specific cost. Property taxes are estimated using the home price and tax rate entered. Hazard insurance is estimated using the annual dollar amount entered. Conventional PMI estimates are simplified and may vary based on credit score, loan-to-value, lender, insurer, debt-to-income ratio, occupancy, loan program, and other borrower qualifications. FHA MIP and VA funding fee assumptions are simplified estimates for planning purposes only. Actual loan terms, insurance, funding fees, mortgage insurance, taxes, HOA dues, and closing costs may vary.