Little Elm / Paloma Creek · Denton County · Needs verification

Spiritas Ranch

Starting at: $319,990
Verified 10/20/26
Mailing city: Little Elm / Paloma Creek
Verified 10/20/26
School district: Denton ISD
Verified 10/20/26
Housing type: Single family, site built
Verified 10/20/26

The mailing address and the school district disagree

The mailing address here reads Little Elm / Paloma Creek. The schools are Denton ISD. Those are two separate things and they disagree constantly in this market. Confirm the assigned campuses with the district before you write an offer.

Verified 10/20/26

What it costs to own here

The figures that decide your monthly payment and never appear on a builder's site.

Total tax rate: 1.89%
Verified 10/20/26 · Denton County 2026 truth in taxation
MUD: No
Verified 10/20/26 · Denton County special district GIS
PID: Yes
Verified 10/20/26 · Spiritas Ranch PID, Town of Little Elm, Chapter 372
HOA: Yes, amount not yet verified
Verified 10/20/26 · ShowingNew builder listing

That rate is what the Denton County appraisal district applies across this community. It does not include a PID assessment, which is billed as a fixed amount each year rather than as a rate, so a community with a PID costs more than the rate alone suggests. Rates are reset every year and the figure on one lot can differ from its neighbors. Confirm the rate, any PID assessment and the MUD with the appraisal district and your lender before you sign a contract.

What this would cost a month

Principal and interest plus the 1.89% tax rate verified for Spiritas Ranch, not a national average.Calculate

Change anything below. We are not a lender and this is not a quote.

Home price$Down payment%Rate you expect%Your assumption, not a rate we are offering.YearsInsurance a month$Ask your agent for a quote on this address.HOA a month$This community has one. We have not priced it.

Estimated monthly cost

$2,323

Principal and interest: $1,820
Property tax: $503

Loan of $287,991 after $31,999 down. This community has a PID. That assessment is billed on top of the tax rate and is not in this figure. This community has an HOA and we have not verified the dues, so they are not in this figure either.

An estimate for comparing communities, not an offer of credit, a loan approval or a commitment to lend. North Realty Group is a real estate brokerage and not a mortgage lender. Your actual payment depends on the rate and terms a lender gives you, your credit, the loan program, mortgage insurance where the down payment is under 20 percent, and the final assessed value, which is set by the appraisal district and is not the price you pay. Confirm every figure with your lender before you rely on it.

Builders here (2)

Mattamy Homes
Needs verification
Base price
$319,990
Verified 10/20/26
Quick move-ins
10 quick move-ins, all under construction
Verified 10/20/26
See the current list Houses sell and new ones are released, so check the list before you plan a visit.
3905 Norwood RoadAvailable homes and photos
Pacesetter Homes Texas, The Reserve
Needs verification
Base price
$374,900
Verified 10/20/26
Quick move-ins
2 quick move-ins, all under construction
Verified 10/20/26
See the current list Houses sell and new ones are released, so check the list before you plan a visit.
4425 Glenn Springs WayAvailable homes and photos

What we flagged

Added from the ShowingNew community listing on 2026-10-20.
A builder listing advertises no PID. The Town of Little Elm ordinance establishing the district controls.

Verified 10/20/26

Where this is

Denton County. North of US 380, east of I-35. Municipality of record: Little Elm. Mailing city and municipality are separate fields here and we do not derive one from the other. The mail says Little Elm / Paloma Creek. The taxing city is Little Elm, and that is the rate you pay.

Verified 10/20/26 · Town of Little Elm bond ordinance

To Frisco: about 20 min
To Legacy / Plano: about 25 min
To DFW Airport: about 40 min
To Sherman: about 70 min
To Denton: about 25 min

Driving times are rough estimates from the middle of Little Elm / Paloma Creek, off peak, and they are not measured. Rush hour on the Tollway or US 75 can add half as much again. Drive it yourself at the hour you would actually be driving it.

Homes for sale in Spiritas Ranch

We do not list inventory here, because what is available changes daily and every figure on this page carries the date we checked it. Our New Home Source Professional portal shows what is on the market in Little Elm / Paloma Creek right now, with floor plans, pricing and completion dates straight from the builders.

See homes for sale in Little Elm / Paloma Creek

That portal is run by New Home Source Professional and carries Jason Northcutt as your agent, so anything you ask there comes to him. Registering on it is not a representation agreement and it does not replace writing his name on the builder's registration card. Pricing and availability there are the builder's own and are not figures we have verified.

Touring Spiritas Ranch? Take our card.

The registration card at the model home has one line that decides who represents you. Writing a name on it costs you nothing. The builder budgets for a buyer's agent either way. If you skip it, the builder keeps it.

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