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6913 Cater Trl, McKinney, TX, 75071

3beds
3baths
2,735sqft
$619,000
$226price/sqft
$4,621/moest. monthly cost
$184,840/yrincome needed

About This Home

MLS# 21263024 - Built by Ashton Woods Homes - Jun 2026 completion! ~ Welcome to the Ellington by Ashton Woods, a thoughtfully designed one-story home offering just over 2,700 square feet, featuring 3 bedrooms, 3 bathrooms, and a versatile flex room with the option to convert into a fourth bedroom. As you enter through the foyer, you’re welcomed into a spacious and open layout designed for both everyday living and entertaining. At the heart of the home, the expansive family room flows seamlessly into the dining area and kitchen, creating a natural gathering space filled with light and connection. The modern kitchen features a large eat-in island, shaker-style cabinetry, ample countertop space, and a walk-in pantry. Covered patios located just off both the family room and dining area create multiple opportunities for indoor-outdoor living, whether entertaining guests or enjoying a quiet evening at home. Privately positioned at the back of the home, the primary suite offers a peaceful retreat with a spacious en-suite bathroom featuring dual vanities, a soaking tub, walk-in shower, linen storage, and a large walk-in closet with direct access to the utility room. Two secondary bedrooms are thoughtfully located on the opposite side of the home, each with nearby access to full bathrooms for added comfort and privacy. Near the front hallway, a flex room provides endless possibilities—ideal for a home office, fitness room, playroom, or additional guest space. For added flexibility, this room can also be converted into a fourth bedroom to better fit your lifestyle needs. Thoughtful design details, open-concept living spaces, and intentional separation between private and shared areas come together to create a home that feels both functional and inviting—designed to support the way you live every day.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10
Walnut Grove High SchoolGrades 9-123.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Disposal
  • Laundry features: Laundry in Utility Room

Bedroom

  • Features: En Suite Bathroom
  • Level: First
  • Dimensions: 8 x 12

Bedroom

  • Level: First
  • Dimensions: 12 x 12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Level: First
  • Dimensions: 10 x 12

Dining Room

  • Level: First
  • Dimensions: 18 x 11

Features

  • Eat-in Kitchen,High Speed Internet,Kitchen Island,Open Floorplan,Cable TV,Wired for Data,Walk-In Closet(s)
  • Flooring: Carpet,Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,ENERGY STAR/ACCA RSI Qualified Installation,ENERGY STAR Qualified Equipment,Natural Gas
  • Cooling features: Central Air,ENERGY STAR Qualified Equipment,Zoned

Interior Area

  • Total interior livable area: 2,735 sqft

Kitchen

  • Features: Eat-in Kitchen,Kitchen Island,Walk-In Pantry
  • Level: First
  • Dimensions: 14 x 20

Living Room

  • Level: First
  • Dimensions: 18 x 19

Master Bathroom

  • Features: Dual Sinks
  • Level: First
  • Dimensions: 16 x 14

Master Bedroom

  • Features: En Suite Bathroom
  • Level: First
  • Dimensions: 15 x 16

Utility Room

  • Level: First
  • Dimensions: 6 x 7

Property

Details

  • Parcel number: 6913 Cater Trail

Features

  • Levels: One
  • Stories: 1
  • Pool features: None,Community
  • Patio & porch: Covered
  • Fencing: Fenced

Lot

  • Lot size: 5,998 sqft
  • Lot size dimensions: 50 x 120, 60 x 120

Parking

  • Total spaces: 2
  • Parking features: Door-Single
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Tornado
Cold Wave
Heat Wave
Inland Flooding
Ice Storm
Strong Wind
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 $3,130$37,560
Home Insurance *$428$5,136
Property Taxes $763$9,156
Electricity $300$3,603
Total$4,621$55,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,434/yr
40% on housing$138,630/yr
45% on housing$123,226/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

$226This 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)

Price History

DateEventPrice
2026-05-07Listed for sale$699,000

New Construction

AgentBen Caballero
BrokerageHomesUSA.com

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