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1909 Century Ln, McKinney, TX, 75071

5beds
4baths
3,204sqft
$649,900
$203price/sqft
$4,887/moest. monthly cost
$195,480/yrincome needed

About This Home

SELLER OFFERING 2-1 RATE BUYDOWN WITH FULL-PRICE OFFER - APPROX. PAYMENT EQUIVALENT TO A RATE NEAR 4.5% IN YEAR ONE AND 5.5% IN YEAR TWO. PREMIUM 60’ LOT + DREES BUILD + PRICED BELOW MARKET VALUE. Completed in 2023, 1909 Century Lane stands out for what today’s buyers value—more space, meaningful upgrades, and true move-in readiness without the delays or hidden costs of new construction. Situated on a premium 60’ lot, this home offers a larger backyard and outdoor living space that is increasingly difficult to find at this price point in Trinity Falls. Comparable homes with this lot size, builder pedigree, and level of finish are commanding significantly more, making it a rare opportunity to own a premium Drees Homes build without paying new-construction pricing. The home features 5 bedrooms, 4 bathrooms, and zoning to highly regarded McKinney Independent School District. A dramatic floor-to-ceiling sliding glass wall anchors the main living area, filling the home with natural light while opening seamlessly to the covered patio and creating true indoor-outdoor living. Built-in speakers extend from the living room outdoors, making the space equally suited for entertaining or everyday life. The kitchen includes a 5-burner gas cooktop, double ovens, oversized walk-in pantry, and extensive cabinetry. The primary suite offers a spa-like retreat with dual shower heads, frameless glass shower, soaking tub, quartz countertops, and spacious walk-in closets. A secondary ensuite bedroom on the main level provides flexibility for guests, office space, or multigenerational living. Upstairs, a surround-sound-wired bonus room functions as a media room, game room, or private guest suite with its own full bath. Residents enjoy access to resort-style community amenities including pools, fitness facilities, co-working spaces, more than 350 acres of trails, and Old Joe Dog Park.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Detached
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Disposal,Gas Oven,Gas Range,Microwave,Vented Exhaust Fan
  • Laundry features: Laundry in Utility Room

Bedroom

  • Features: Split Bedrooms
  • Level: First
  • Dimensions: 10 x 15

Bedroom

  • Features: Split Bedrooms
  • Level: First
  • Dimensions: 11 x 10

Bedroom

  • Features: Split Bedrooms
  • Level: First
  • Dimensions: 9 x 14

Bedroom

  • Features: Split Bedrooms
  • Level: Second
  • Dimensions: 13 x 12

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First
  • Dimensions: 7 x 16

Features

  • Built-in Features,Decorative/Designer Lighting Fixtures,Double Vanity,Eat-in Kitchen,High Speed Internet,Kitchen Island,Open Floorplan,Pantry,Cable TV,Vaulted Ceiling(s),Walk-In Closet(s),Wired for Sound
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter,Living Room
  • Fireplace: Yes

Game Room

  • Features: Ceiling Fan(s)
  • Level: Second
  • Dimensions: 14 x 16

Interior Area

  • Total interior livable area: 3,204 sqft

Kitchen

  • Features: Breakfast Bar,Built-in Features,Eat-in Kitchen,Kitchen Island,Pantry
  • Level: First
  • Dimensions: 15 x 10

Living Room

  • Features: Fireplace
  • Level: First
  • Dimensions: 17 x 16

Master Bathroom

  • Features: Built-in Features,Double Vanity,En Suite Bathroom,Granite Counters,Garden Tub/Roman Tub,Separate Shower
  • Level: First
  • Dimensions: 13 x 17

Master Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Dimensions: 19 x 13

Mud Room

  • Level: First
  • Dimensions: 9 x 6

Other

  • Features: Granite Counters
  • Level: First
  • Dimensions: 7 x 4

Other

  • Features: Granite Counters
  • Level: First
  • Dimensions: 4 x 11

Other

  • Features: Granite Counters
  • Level: Second
  • Dimensions: 8 x 4

Utility Room

  • Features: Built-in Features
  • Level: First
  • Dimensions: 5 x 10

Property

Details

  • Parcel number: R1280800A00201
  • Exclusions: NA

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None,Community
  • Patio & porch: Patio,Covered
  • Exterior features: Rain Gutters
  • Fencing: Stone

Lot

  • Lot size: 10,628 sqft

Parking

  • Total spaces: 3
  • Parking features: Driveway,Garage Faces Front,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Tornado
Cold Wave
Heat Wave
Inland Flooding
Wildfire
Winter Weather

FEMA Declared Disasters Across Texas Counties

Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,286$39,432
Home Insurance *$449$5,388
Property Taxes $801$9,612
Electricity $351$4,221
Total$4,887$58,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$167,554/yr
40% on housing$146,610/yr
45% on housing$130,320/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 75071$197
Collin County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 75071$188
Collin County$185

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$649,900
2026-04-30Price change$660,000
2026-04-15Price change$667,000
2026-04-10Price change$674,990
2026-03-23Price change$679,990
2026-03-12Listed for sale$699,900
2025-11-03Listing removed$719,000
2025-10-20Price change$719,000
2025-10-08Price change$724,999
2025-09-29Price change$729,999
2025-09-18Price change$732,900
2025-09-08Price change$739,900
2025-08-22Listed for sale$749,900
2023-04-12Listing removed--
2023-03-04Listed for sale$749,990

For Sale by Agent

AgentChristie Cannon, LPT Realty LLC, Kym Loyd, LPT Realty LLC
BrokerageLPT Realty LLC

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