100-County Underwriting Atlas › Texas › Denton County

Denton County, TX Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Denton County PITIA Escrow Takeaway): In Denton County, Texas, 1–4 unit investment properties carry an effective property tax rate of 1.91% ($716/mo on a $450,000 median acquisition) and landlord hazard/windstorm insurance averaging $830/yr per $100K ($311/mo), resulting in a combined monthly T&I escrow of $1,027/mo against a median Form 1007 rent of $3,300/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Denton County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

1.91% ($716/mo)

Landlord Ins. / $100K

$830/yr ($311/mo)

1–4u Price / 75% Loan

$450,000 / $337,500

Form 1007 Median Rent

$3,300/mo

Denton County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Texas Annual Market Appraisal: County Appraisal District (CAD) revalues annually as of Jan 1; non-homestead circuit-breaker cap applies to qualifying properties under $5M, with May 15 protest deadline.
2. Hazard, Windstorm & Catastrophe Insurance Tier: North DFW Hail / Wind Roof Age Audit
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Standard county deed recording & nominal transfer fee ($50–$350 flat or ≤0.20% of consideration).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Denton County, TX DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Denton County Term Sheet →Texas State Hub TX Market Report TX Deal Team