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Financing available

$424,900

871 High Cotton Lane, Rockwall, TX 75087

4
beds
2.5
baths
3,050
sqft

Est. with seller financing: $3,901/mo

  • Single-family
  • Built in 2002
  • 8,320 sq ft lot
  • $139/sqft
  • $48/mo HOA
  • Rockwall County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

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 HVAC replacement in 2026, recent windows and a recent 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. Shed in backyard conveys.

Facts & features

Interior

Features

  • Chandelier
  • Decorative Designer Lighting Fixtures
  • Double Vanity
  • Eat In Kitchen
  • High Speed Internet
  • Kitchen Island
  • Pantry
  • Cable Tv
  • Walk In Closets
  • Wired For Sound

Heating & cooling

  • Heating: Central
  • Cooling: Central Air, Ceiling Fans, Electric

Flooring

  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Plank

Appliances

  • Some Gas Appliances
  • Dishwasher
  • Electric Oven
  • Disposal
  • Gas Range
  • Gas Water Heater
  • Microwave
  • Plumbed For Gas

Fireplace

  • Fireplaces: 1
  • Gas

Exterior & lot

Features

  • Rain Gutters

Construction

  • Style: Traditional, Detached
  • Stories: 2
  • Roof: Composition
  • Foundation: Slab
  • Materials: Brick

Parking

  • Garage spaces: 2
  • Concrete
  • Door Multi
  • Garage Faces Front
  • Garage
  • Garage Door Opener

Pool

  • Community

Lot

  • Back Yard
  • Irregular Lot
  • Lawn
  • Landscaped
  • Few Trees

Community

Neighborhood

  • Subdivision: Caruth Lakes Ph 5

HOA

  • Goodwin & Associates

Schools

  • District: Rockwall ISD
  • Elementary: Dobbs
  • Middle: JW Williams
  • High: Rockwall

Financial & listing details

Listing

  • Price per sq ft: $139
  • County: Rockwall
  • Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$3,901/mo

Principal & interest
$3,077/mo
Property taxes
$578/mo
Homeowners insurance (est.)
$198/mo
HOA dues
$48/mo
Loan amount
$382,410
Seller financing rate (est.)
9.00%
Term
30-year fixed
Powered byDoorly

This estimate uses our seller financing program's rate. Taxes are from listing data and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

How buying this home works

  1. 1

    Get qualified

    We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.

  2. 2

    Pick this home

    Once you're approved, tell us this is the one. We handle the purchase from the seller.

  3. 3

    Move in

    We resell the home to you at closing, so the title is in your name. Then make one fixed monthly payment, no bank required.

Location

Listing information

Listing courtesy of

Amanda McCoy

Compass RE Texas, LLC

214-814-8100

MLS #
21302070

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. Information is deemed reliable but not guaranteed and should be independently verified. Last updated Oct 9, 2026.

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Seller financing for this home is available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly.

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