LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in Denton County, Texas sells for about $425,613, or $196 per square foot.

Prices are down 4.1% from a year ago, which gives buyers more room to negotiate. Homes take about 43 days to sell. Over the long run, values in this county have grown 167% since 2000. Last year 60 of 137 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is tornado, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,807 a month.

HUD sets the fair market rent for a 2-bedroom at $1,807 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.

Price climate

Every year of price change, 2000–2025

0%

2025

200020132025

Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+20%). Worst: 2011 (-2%). Hover to read a year.

Monthly price momentum

Home values since 2015

+1.1%

TX · past 12 months

TX 194USA 208.1
20152017201920212023202595125155213.5

Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.

Rent benchmark

Fair market rent by size

$2,275

3-bed / month

$1,491
Studio
$1,536
1 bed
$1,807
2 bed
$2,275
3 bed
$2,892
4 bed
Gross rental yield · 3-bed rent × 12 ÷ $425,6136.4%

HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.

Neighborhood price trend

Long-run price trend, 2000–2025

0%

2025 change

200020052010201520202025-7%0%7%14%21%

FHFA repeat-sales index, median of 137 census tracts in this county (2000 = 100). Bars are each year's median change.

Natural hazard exposure

The area's risk shape

55

Relatively Low

TornadoHailIce stormHeat waveWildfireCold waveStrong windWinter weather

FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $354,730,588.

Mortgage activity

Home lending in this county

80.8%

2018 approval rate

YearApplicationsLoans madeApprovalInvestor shareMedian home value
2018546262756680.8%7.3%$295,000

CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.

County intel report · monthly refresh cycle
Track this county

Denton County, Texas

refreshed Oct 11, 2026, 4:31 AM2 refresh cycles retainednext refresh due Oct 26, 2026
Market sentiment: cautious

The Denton County housing market is experiencing a cooling phase characterized by declining year-over-year prices and reduced sales volume. Elevated inventory levels and longer days on market suggest a shift toward a more balanced environment for buyers compared to previous years.

3 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).

The data chain · drill up or downproperty → ZIP → city → county → state
Texas state →Denton County

Select a city to expand its ZIP intel reports beneath · 4 cities · 29 ZIP reports

Latest readings
Median sale price
$425,613
Corroboration pending — anchor baseline forms on the first refresh cycles
Median price / sq ft
$196
Median days on market
43
Active listings
6,857
Median price change YoY
-4.1%
Closed sales (monthly)
650
Population
979,561
Median household income
$111,498
Distress filings (ledger)
3
County Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
62
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
25
Growth/100

Median prices moved down 5.1% year over year.

78
Liquidity/100

Homes spend a median of 61 days on market with 0.1 months of supply — a fast-moving market.

50
Momentum/100

1% of listings have cut prices · homes sell at 57.37% of asking — demand is holding steady.

94
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · poverty 7.1% — a stable, low-distress profile.

Deterministic roll-up
25 of 29 ZIP reports contributed
Median sale price
$427,139
Median price / sq ft
$246
Median days on market
61.17
Active listings
5,645
Listings with price cuts
0.52%
Median price change YoY
-5.07%
Closed sales (monthly)
5,113
Months of supply
0.13
Sale-to-list ratio
57.37%
Median asking rent
$2,024/mo
Population
818,744
Median household income
$126,994

Deterministic aggregate of 25 researched ZIP reports of 29 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.

Property base layer · rolled up from researched properties26 researched properties · latest reading each
Researched properties
26
distinct addresses on the base layer
Median observed value
$746,514
normalized current value readings
Median observed rent
$2,700
monthly, where determinable
County-record distress flags
0
pre-foreclosure · foreclosure · REO · lien · judgment

Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 14, 2026.

ZIP roster · every intel report in the county29 of 29 ZIPs researched
Sort
75007Carrollton
Median price
$412,500
$/sqft
$226
Trend YoY
-1.8%
Days on mkt
22
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
53
Median rent
$1,840

researched Sep 30

75019Coppell
Median price
$585,455
$/sqft
$251
Trend YoY
-15.2%
Days on mkt
45
Sale-to-list
98.5%
Price cuts
18%
Supply (mo)
2.3
Listings
96
Median rent
$1,900

researched Sep 30

75022Flower Mound
Median price
$1,580,000
$/sqft
$335
Trend YoY
—
Days on mkt
83
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
120
Median rent
$3,120

researched Sep 30

75028Flower Mound
Median price
$492,250
$/sqft
$256
Trend YoY
+6.6%
Days on mkt
70
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
224
Median rent
$2,275

researched Sep 30

75033Frisco
Median price
$695,000
$/sqft
$235
Trend YoY
-9.1%
Days on mkt
24
Sale-to-list
98.2%
Price cuts
28.5%
Supply (mo)
4.2
Listings
482
Median rent
$2,850

researched Oct 3

75034Frisco
Median price
—
$/sqft
$271
Trend YoY
-2.2%
Days on mkt
62
Sale-to-list
94%
Price cuts
—
Supply (mo)
—
Listings
92
Median rent
$1,726

researched Oct 3

75035Frisco
Median price
$615,000
$/sqft
$224
Trend YoY
-2.3%
Days on mkt
49
Sale-to-list
99%
Price cuts
—
Supply (mo)
—
Listings
243
Median rent
$2,290

researched Sep 19

75036Frisco
Median price
$550,000
$/sqft
$255
Trend YoY
-1.4%
Days on mkt
67
Sale-to-list
98.2%
Price cuts
28.5%
Supply (mo)
4.1
Listings
282
Median rent
$2,328

researched Sep 11

75056Lewisville
Median price
—
$/sqft
$231
Trend YoY
-8.4%
Days on mkt
54
Sale-to-list
96%
Price cuts
—
Supply (mo)
—
Listings
210
Median rent
$1,747

researched Oct 3

Median price
$339,000
$/sqft
$215
Trend YoY
-5.9%
Days on mkt
31
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
287
Median rent
$2,393

researched Sep 30

Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.

Page 1 of 3
Area context
Schools & education

Denton County is served by several highly-rated independent school districts, including Frisco, Lewisville, and Denton ISDs, which are central to the area's appeal for families.

Environmental & hazard

The region faces standard North Texas climate risks, including severe thunderstorms and occasional tornado activity, with property insurance premiums reflecting these regional weather patterns.

Growth & development

Denton County maintains strong economic momentum driven by its proximity to the Dallas-Fort Worth employment core, significant corporate relocations, and ongoing infrastructure expansion.

Taxation

Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).

Economy & employers

The county economy is diverse, anchored by higher education, healthcare, and a growing corporate presence in the technology and financial services sectors.

Transportation & infrastructure

The county is served by major highway corridors including I-35E and I-35W, with regional transit connectivity provided by DCTA.

County appraisal district

The Denton Central Appraisal District performs annual market value assessments for all taxable real property within the county.

Special districts

The county is served by various special districts, including municipal utility districts (MUDs) and hospital districts, which provide essential infrastructure and services to developing areas.

Insurance & hazard market

Property insurance markets in the county are influenced by regional weather-related risk factors, leading to competitive but rising premium environments.

Major amenities · Denton County, Texas
Entertainment venues, stadiums & amphitheaters
18 · 30 mi
Museums, galleries & history
20+ · 30 mi
Parks, trails & nature
20+ · 20 mi
Lakes, marinas & beaches
1 · 30 mi
Golf
20+ · 20 mi
Shopping & dining districts
6 · 20 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.

Amenities & attractions2 retained amenities · 1 development on the horizon

The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.

Inside this county
Lewisville Lake
Waterfront

A major reservoir offering extensive boating, fishing, and recreational park access for county residents.

University of North Texas
Education/Culture

A major public research university in Denton that serves as a cultural and economic anchor for the region.

On the horizon · announced & under construction
Corporate Campus ExpansionsCommercialOngoingContinued development of corporate office space and mixed-use projects along the Highway 121 corridor.
Discovery profileACS 2024
Census profile · Denton County, TX
Population
979,561
Median age
37 yrs
Owner-occupancy
65.5%
Median home value
$437,200
Median household income
$111,498
Population change
+0.543%
Poverty rate
7.07%

Data sourced from Data USA/ACS 2024 profiles.

School districts
Denton ISDNot determinableServes the central portion of the county.
Lewisville ISDNot determinableA large district serving the southern portion of the county.
Major employers & industries
University of North TexasEducationMajor regional employer.
Texas Woman's UniversityEducationSignificant regional employer.
Sources · 4 cited
County city board · values & trends by city4 cities · 29 ZIP reports
Median price$465,400
Price trend-3.6% YoY
Days on market49 med
Median rent$2,262
Population225,516
Active listings1,099
City market sentiment: cautiously optimistic
4 of 4 ZIPs researched — figures roll up from member ZIP reports
Median price$381,630
Price trend-2.7% YoY
Days on market66 med
Median rent$1,960
Population149,370
Active listings536
City market sentiment: cautious
5 of 5 ZIPs researched — figures roll up from member ZIP reports
Lewisville
city intel →
Median price$1,485
Price trend-8.4% YoY
Days on market54 med
Median rent$1,746
Population138,362
Active listings497
City market sentiment: cautiously optimistic
2 of 2 ZIPs researched — figures roll up from member ZIP reports
Flower Mound
city intel →
Median price$1,577,504
Price trend+0% YoY
Days on market83 med
Median rent$3,118
Population72,920
Active listings344
City market sentiment: cautiously optimistic
2 of 2 ZIPs researched — figures roll up from member ZIP reports
Unincorporated & unassigned
Median price$415,866
Price trend-1.4% YoY
Days on market59 med
Median rent$1,679
Population469,513
Active listings4,082
16 of 16 ZIPs researched — figures roll up from member ZIP reports
Jurisdictional burden contextburdens registered for this geography · most-local first
County · Denton County, Texas
Lake Ray Roberts Planning and Zoning Land Use OrdinanceLand use & zoningConditional

applies when — Applies to residential parcels situated within the designated Lake Ray Roberts Planning and Zoning perimeter jurisdiction in northern Denton County.

Imposes county-administered zoning and land use restrictions rare for Texas counties. Restricts parcel development to designated zoning classifications, enforces mandatory structural setbacks, establishes minimum lot dimensions, requires mandatory zoning notations on recorded subdivision plats, and subjects building designs to special commission review to protect the Lake Ray Roberts reservoir watershed.

Established under Texas Local Government Code Section 231.131 et seq. and administered by the Lake Ray Roberts Planning & Zoning Commission.

Special Water District Taxing and Service Encumbrances (FWSDs and MUDs)Special districts & overlaysConditional

applies when — Applies to residential parcels situated within Freshwater Supply Districts (FWSDs) or Municipal Utility Districts (MUDs), common in developments near Aubrey, Little Elm, Frisco, and Celina.

Subjects parcels to an additional separate ad valorem property tax levy—typically ranging between $0.19 and $0.65 per $100 for FWSDs, and up to $1.00+ per $100 for MUDs—to amortize water, sewer, and stormwater infrastructure debt. Sellers are statutorily required under Texas Water Code Section 49.452 to deliver a mandatory district disclosure notice to purchasers prior to contract execution detailing outstanding bonded indebtedness and tax rates.

Authorized and organized under Texas Water Code Chapters 49, 51, and 54.

Denton County Commissioners Court Burn Bans and Outdoor Burning RegulationsHazard & insuranceConditional

applies when — Applies to all parcels in the unincorporated territory of Denton County during declared drought, elevated wildfire risk, or burn-ban orders.

Prohibits all outdoor burning of brush, yard waste, and open-pit refuse when burn bans are enacted by the Denton County Commissioners Court or County Judge. Enforces Texas Commission on Environmental Quality (TCEQ) outdoor burning limits year-round; strictly forbids burning household trash, treated wood, tires, or construction debris. Violations constitute a Class C misdemeanor punishable by criminal fines up to $500 per day.

Enacted under Texas Local Government Code Section 352.081 and 30 TAC Sections 111.201-111.221.

County Right-of-Way Access and Driveway Culvert PermittingLand use & zoningConditional

applies when — Applies to parcels in unincorporated Denton County abutting county-maintained rights-of-way that construct or alter private vehicular access points.

Requires landowners to obtain a driveway culvert permit and right-of-way permit from Denton County Development Services before constructing, altering, or installing any driveway or access connection within dedicated county rights-of-way. Mandates county sizing and engineering standards for culverts to maintain roadside drainage and clear sight distances.

Authorized under Texas Transportation Code Chapters 251 and 255 and county development regulations.

Denton County On-Site Sewage Facility (OSSF) Order and RulesBuilding & codesConditional

applies when — Applies to residential parcels in unincorporated Denton County utilizing decentralized wastewater or septic systems rather than centralized municipal or utility district sewer.

Requires parcel owners to obtain an OSSF Permit to Construct and pass specialized final inspections through the Environmental Health Division of Denton County Public Health before operating a private septic system. Imposes minimum lot size limits, mandatory soil and site evaluations, setback constraints from property lines and water wells, and ongoing maintenance contract obligations for aerobic treatment units.

Governed by Denton County OSSF Order under Texas Health and Safety Code Chapter 366 and 30 Texas Administrative Code (TAC) Chapter 285.

Denton County Floodplain Development Regulations and Two-Foot Freeboard MandateHazard & insuranceConditional

applies when — Applies to parcels containing or intersecting a FEMA Special Flood Hazard Area (100-year floodplain / Base Flood Elevation) in unincorporated Denton County.

Prohibits any residential construction, fill, or alteration without a Denton County Floodplain Development Permit backed by certified engineering studies demonstrating no rise in the Base Flood Elevation (BFE) and no obstruction to floodway flow. Mandates that all finished lowest floor elevations of habitable residential structures be constructed at least two feet above the 100-year Base Flood Elevation (2-foot freeboard).

Enforced by Denton County Development Services under Texas Water Code Chapter 16 and FEMA NFIP standards.

Denton County Subdivision Rules and RegulationsLand use & zoningConditional

applies when — Applies to residential parcels being divided, replatted, or developed outside municipal corporate limits (unincorporated Denton County) or within extraterritorial jurisdictions governed by county interlocal agreements.

Mandates formal plat approval by the Denton County Commissioners Court prior to recording or selling subdivided lots. Requires minimum 60-foot lot frontage, 30-foot building setback lines, a dedicated 16-foot utility easement along road rights-of-way, approved drainage infrastructure plans, and will-serve letters for utilities (or approved groundwater availability certification). Construction must be completed within two years of approval or face plat review expiration.

Adopted by the Denton County Commissioners Court pursuant to Texas Local Government Code Chapter 232.

County Non-Judicial Foreclosure and Delinquent Tax Sale RegimeForeclosure doctrineBinds every parcel

Requires non-judicial mortgage foreclosure sales and delinquent ad valorem tax sales to be posted at least 21 days in advance with the Denton County Clerk and conducted on the first Tuesday of each month between 10:00 AM and 4:00 PM at the designated area of the Denton County Courts Building/Courthouse. Foreclosed parcels sold for delinquent taxes remain encumbered by statutory redemption periods (up to two years for residence homesteads under Texas Tax Code Section 34.21).

Codified under Texas Property Code Section 51.002 and Texas Tax Code Chapter 34.

Overlapping Ad Valorem Tax Composition FormulaTaxationBinds every parcel

Total property tax liability is composed additively across all overlapping jurisdictions: Total Tax = [County Tax Rate x (Value - County Exemptions)] + [School District Rate x (Value - School Exemptions)] + [City Rate x (Value - City Exemptions)] + [Special District Rate x (Value - District Exemptions)]. School rates constitute the largest component (~$1.2069 per $100 in Denton ISD), followed by municipal rates (e.g., ~$0.5954 per $100 in City of Denton), producing an aggregate composite rate typically between $1.66 and $1.99 per $100 before special district additions.

Texas Tax Code Chapter 26 governs truth-in-taxation and composite tax assessment procedures.

≈ $5,137/yr on a $425,613 median

Denton County General Ad Valorem Property Tax LevyTaxationBinds every parcel

Imposes the county ad valorem tax rate of $0.185938 per $100 of taxable assessed valuation (FY 2025/2026). Tax liability formula: Tax = (Appraised Value - Applicable County Exemptions) x ($0.185938 / 100). The county offers optional local homestead exemptions as adopted by the Commissioners Court, distinct from state-mandated school homestead exemptions ($100,000 for tax year 2025, expanding under Prop 13).

Adopted annually by the Denton County Commissioners Court pursuant to Texas Tax Code Chapter 26.

≈ $791/yr on a $425,613 median

Denton Central Appraisal District (DCAD) Annual Mass Appraisal and Assessment RegimeTaxationBinds every parcel

Mandates annual valuation of real property as of January 1 under mass appraisal standards. Establishes the taxable base for all overlapping taxing jurisdictions. Imposes a 10% statutory cap on annual homestead assessed value increases under Texas Tax Code Section 23.23. Owners are bound by statutory protest filing deadlines (typically May 15 or 30 days after the Notice of Appraised Value is delivered) before the Appraisal Review Board (ARB).

Governed by Texas Tax Code Chapters 6, 23, 25, and 41; administered by Denton Central Appraisal District.

State · Texas
Judicial Foreclosure Mandate for Texas Home Equity Lending (Section 50(a)(6))Lending & financingConditional

applies when — Parcel is encumbered by a Texas constitutional home equity loan (HELOC or lump-sum equity loan).

Bars private power-of-sale foreclosure. Constitutional protections strictly require lenders to obtain a formal judicial or expedited quasi-judicial court order under Texas Rules of Civil Procedure 735 and 736 before initiating foreclosure proceedings against homestead residential property.

Tex. Const. art. XVI, Sec. 50(a)(6)(D); Tex. R. Civ. P. 735, 736.

Municipal Utility District (MUD) and Special Water District DisclosureSpecial districts & overlaysConditional

applies when — Parcel is situated within a Municipal Utility District (MUD), Water Control and Improvement District (WCID), or other special taxing district created under Article XVI, Section 59 of the Texas Constitution.

Subject to supplemental ad valorem debt-service and maintenance tax levies imposed by the MUD board. Sellers are statutorily required to furnish an executed statutory district disclosure notice stating the district's authority to levy taxes, current tax rates, and total authorized bond indebtedness prior to contract execution. If notice is omitted, the buyer maintains statutory rights to terminate the transaction or sue for damages up to $5,000 plus costs.

Tex. Water Code Ann. Sec. 49.452.

Municipal Extraterritorial Jurisdiction (ETJ) and Subdivision PlattingLand use & zoningConditional

applies when — Parcel is located within the unincorporated extraterritorial jurisdiction (ETJ) adjacent to an incorporated municipality (ranging from 0.5 to 5 miles depending on municipal population).

Subjects parcel subdivision and development to municipal platting authority, roadway access rules, and utility easements under Local Government Code Chapter 212, even though municipal zoning does not apply. In 2023, the state enacted a petition/referendum mechanism permitting landowners in an ETJ to unilaterally opt out and release their parcel from municipal ETJ regulation.

Tex. Loc. Gov't Code Ann. Chapters 42, 212, and Chapter 247 (enacted by Texas Senate Bill 2038, effective September 1, 2023).

Mandatory Property Owners Association Membership DisclosureDisclosure & transactionConditional

applies when — Parcel is subject to mandatory membership in a property owners' association under recorded restrictive covenants.

Obligates the seller to provide a formal statutory disclosure notice to the prospective purchaser before contract execution detailing mandatory HOA membership, obligations to pay regular assessments, association restrictive covenants, and the prospect of lien foreclosure for delinquency. Failure to deliver the notice enables the purchaser to terminate the contract prior to closing.

Tex. Prop. Code Ann. Sec. 5.012 and Sec. 207.003.

Texas Residential Property Owners Protection Act (POA / HOA Governance)Building & codesConditional

applies when — Parcel is subject to recorded dedicatory instruments, restrictive covenants, and mandatory membership in a property owners' association (POA/HOA).

Imposes statutory covenants and restrictions on parcel encumbrance and enforcement: association must file management certificates with county clerk and TREC; requires an expedited judicial court order under Tex. R. Civ. P. 736 to foreclose an assessment lien; bars non-judicial foreclosure for purely fine-based or attorney fee liens; guarantees the property owner a 180-day statutory post-foreclosure right of redemption; establishes statutory owner protections preventing POAs from banning solar panels, religious displays, security measures, or rain-harvesting barrels.

Tex. Prop. Code Ann. Chapter 209 (amended extensively under SB 1588 effective September 1, 2021).

Delinquent Ad Valorem Property Tax Foreclosure and Statutory RedemptionForeclosure doctrineConditional

applies when — Ad valorem real property taxes assessed by local taxing entities become delinquent under Chapter 33.

Authorizes local taxing entities to seize and judicially foreclose on the parcel to satisfy accrued tax debt, interest, and administrative penalties. Grants former owners an absolute post-sale statutory right of redemption: (1) 2-year redemption window for residence homesteads and ag-exempt land with redemption costs equal to purchase price plus a 25% premium in year 1 or a 50% premium in year 2; (2) 180-day redemption window for non-homestead residential parcels with a 25% premium.

Tex. Tax Code Ann. Chapters 33 and 34 (specifically Sec. 34.21).

Statutory Non-Judicial Foreclosure and Deed of Trust Power of SaleForeclosure doctrineConditional

applies when — Real property parcel secured by a deed of trust or contract lien containing an express power-of-sale clause upon borrower default (conventional mortgages).

Permits private non-judicial foreclosure without court intervention. Imposes strict statutory procedural timeline: minimum 20-day written notice of default and intent to accelerate with right to cure, followed by minimum 21-day public notice of sale (recorded with county clerk, posted at courthouse, and served on debtor via certified mail). Foreclosure sales must occur on the first Tuesday of the month between 10:00 a.m. and 4:00 p.m. at the designated county venue. Under Texas law, conventional mortgage non-judicial foreclosure conveys permanent title without any post-sale statutory right of redemption for the mortgagor.

Tex. Prop. Code Ann. Sec. 51.002.

Mandatory Flood and Water-Penetration Hazard DisclosureHazard & insuranceBinds every parcel

Statutorily compels sellers to affirmatively disclose whether the property is located wholly or partly in a 100-year floodplain, 500-year floodplain, floodway, flood pool, or reservoir; whether the parcel has ever experienced flooding or water penetration into structures during a natural event; and whether the seller currently maintains flood insurance coverage.

Tex. Prop. Code Ann. Sec. 5.008(b), amended by Texas Senate Bill 339 following Hurricane Harvey (effective September 1, 2019).

Mandatory Seller's Disclosure of Property ConditionDisclosure & transactionBinds every parcel

Obligates the seller to deliver an executed comprehensive written disclosure notice to the purchaser before entering into an executory contract. Failure to deliver the disclosure gives the buyer a statutory, unconditional right to terminate the purchase contract for any reason within seven days after receiving the notice or before closing, whichever occurs first.

Tex. Prop. Code Ann. Sec. 5.008.

Senior (65+) and Disabled Homestead Exemption and School Tax CeilingTaxationConditional

applies when — Homestead parcel is owned and occupied by an individual aged 65 or older or an individual who qualifies as disabled under federal guidelines.

Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the first qualifying year, unless new improvements or additions are made to the parcel.

Tex. Tax Code Ann. Sec. 11.13(c) and Sec. 11.26.

General Residence Homestead Exemption and 10% Valuation Growth CapTaxationConditional

applies when — The residential structure and land (up to 20 acres) are owned and occupied as the owner's principal residence as of the qualification date.

Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100,000; (2) Grants optional local-option percentage deductions (up to 20% of appraised value, minimum $5,000) for cities and counties: Taxable Value_Local = Appraised Value - Max(0.20 * Appraised Value, $5,000); (3) Caps annual homestead appraised value increases at 10% plus the value of new improvements: Appraised Value_t <= (1.10 * Appraised Value_{t-1}) + Value_NewImprovements.

Tex. Tax Code Ann. Sec. 11.13 and Sec. 23.23. The ISD exemption was expanded to $100,000 via constitutional amendment (Proposition 4) effective for tax years beginning on or after January 1, 2023.

Ad Valorem Real Property Taxation and Assessment RatioTaxationBinds every parcel

Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00). Tax liability formula: Total Tax = SUM[(Appraised Value - Applicable Exemptions) * (Local Taxing Unit Adopted Rate / 100)] across all overlapping taxing units (independent school district, county, municipality, special districts). Establishes a statutory administrative protest and appeal process before the County Appraisal Review Board (ARB).

Tex. Tax Code Ann. Title 1, Subtitles A-D (specifically Sec. 23.01 and Sec. 26.01 et seq.). Annual appraisal cycle effective January 1.

Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.