North Texas Market Insider™ · Your Local Expert
Your McLendon-Chisholm Real Estate Expert
McLendon-Chisholm, a city of 3,562 at the 2020 census and about 5,600 by the Census Bureau’s 2025 estimate, sits in southern Rockwall County between Rockwall, Heath and Forney, built around large lots and a light city tax. Its homes range from Sonoma Verde’s new streets and one-acre builder communities to custom estates and open acreage. Buying here is about septic, water providers, the PID and what the mailing address doesn’t tell you. I sort out the details that matter here, and the awkward parts are named.
Bobby Franklin, REALTOR®
TREC #0805459
Legacy Realty Group – Leslie Majors Team
NTREIS MLS Access
01
Septic, and a Form to File
Outside Sonoma Verde, homes use septic; city sewer reaches Sonoma Verde only. I order an independent septic inspection, confirm whether an aerobic system needs a maintenance contract, and make sure the city’s transfer of ownership form is filed at closing.
02
Three Water Companies, One City
Your water comes from RCH, Blackland or High Point, depending on the address. RCH customers faced Stage 5 limits that banned lawn watering in 2023, and the city and RCH were in court in 2024–25. I confirm the provider and usage history and get service in your name before closing.
03
The PID Belongs in the Payment
Sonoma Verde homes carry a PID installment of roughly $700 to $2,400 a year, and Texas law requires the seller to give you written PID notice. I pull the balance and payoff from P3Works so you can decide whether to pay it off or let it run.
04
A Light City Tax, but Rising
A $620,000 homestead pays about $7,499 a year, and only the school bill gets the $140,000 exemption. The city rate rose 31.6 percent for 2026, though it’s still under half of Rockwall’s. Owners 65 and older get exemptions and tax ceilings.
05
New Construction Is the Competition
Redfin’s median was $614,593 in August 2026, with homes taking about 87 days to sell. Builders are advertising $20,000 to $25,000 toward closing costs and promotional rates. Whether you’re buying or selling, I put a resale home next to the builder’s real terms.
06
Your Mailing City May Not Be Your City
Homes here carry Rockwall 75032, Forney 75126 or Royse City 75189 addresses, and nearby developments like River Rock sit outside city limits. Some parcels are in Kaufman County. I pull the taxing units from the appraisal record before quoting taxes.
07
I Will Tell You Not to Buy It
McLendon-Chisholm has real trade-offs: no hospital, no DART, few stores, septic and water service that varies. TxDOT plans to widen SH 205, so I check right-of-way on frontage lots. If that’s a dealbreaker, you will hear it from me first.
Six things worth knowing before you start looking here
Check the county and taxing units on the appraisal record, not the mailing address. Second, confirm the water provider, RCH, Blackland or High Point. Third, confirm the electric provider, Oncor or Farmers Electric, and whether a propane tank is owned or leased. Fourth, get the septic inspected and file the transfer form. Fifth, in Sonoma Verde, get the PID payoff and HOA documents. And sixth, file your homestead exemption with Rockwall CAD or Kaufman CAD, whichever serves the address.
Financing — four lenders I trust
McLendon-Chisholm-specific things to raise with all four. Freddie Mac’s 30-year average was 7.28 percent on October 1, 2026, the highest since November 2023, so ask about rate locks, buydowns and builder incentives. The FHA limit for Rockwall County is $563,500, below a typical home here, and the conforming limit is $832,750. TDHCA’s first-time buyer program caps the price at about $589,596 in Rockwall County; ask about TSAHC and TDHCA programs. In Sonoma Verde, make sure the PID installment is in the payment estimate. I recommend these lenders based on their expertise and service. I do not receive compensation for referrals.
Ready to talk, or just have a question?
Either is fine. I answer my own phone, and you will never be routed to a call center or handed to a junior agent. Send me an address and I will tell you which county and appraisal district it’s in, who supplies its electricity, which company supplies its water, whether it’s on septic, whether it carries a PID or mandatory HOA and what the tax bill looks like.
Bobby Franklin, REALTOR® · Legacy Realty Group – Leslie Majors Team · 214-228-0003 · northtexasmarketinsider.com
Information on this page is provided for general reference and is not legal, tax, insurance, environmental, engineering or lending advice. The tax example is an illustration using the City of McLendon-Chisholm’s 2026 rate of $0.121555, adopted September 22, 2026; Rockwall County’s adopted $0.2620 for FY2027; and Rockwall ISD’s adopted $1.0669, applying the $140,000 school exemption for an owner under 65. It excludes PID installments; it is not a quote. PID installments vary by improvement area and lot; the range is from buyer disclosures, and the notice requirement is from Texas Property Code §5.014. Septic forms are from the city’s permits page; whether a permit file is held by the city or Rockwall County should be confirmed for each parcel. Water history is from the City of McLendon-Chisholm, RCH and the Rockwall Herald-Banner. Market figures are Redfin’s for August 2026, based on few sales, many of them new construction; other sources report lower medians and more than 11 months of supply. Builder incentives are from builder sites in October 2026 and change often. River Rock’s location is from Rockwall County and news reports. SH 205 plans are from TxDOT, and dates are planning targets. Senior exemption amounts are from title company tables and should be confirmed with the appraisal district. The FHA limit is from lender tables and should be confirmed with HUD; the conforming limit is FHFA’s 2026 limit; the TDHCA price limit is effective July 13, 2026. The mortgage rate is Freddie Mac’s Primary Mortgage Market Survey for 1 October 2026. School district assignment is determined by address. All real estate services are provided through Legacy Realty Group. Equal Housing Opportunity.