The lineup’s flagship carries the lineup’s heaviest hold: ~$508K entry inside Prosper ISD’s roughly 2.45% territory, on appraisals that have compounded faster than anywhere in Texas. The over-65 toolkit fights back hard here — school taxes dominate the bill and they shield and freeze — but the unfrozen town-and-county remainder rides the Prosper curve for the whole ownership. The honest assembly below, with the race between those two lines made explicit.
| Item | Figure | The Footnote That Matters |
|---|---|---|
| Property tax (rep. $525K, over-65 filed) | ~$7,300–$8,200/yr after exemptions | School line: taxed on $325K then frozen. The unfrozen ~$4,000–$4,800 town/county/college remainder is the line that grows |
| HOA | Standard Ladera schedule — confirm current in writing | Buys the two-building amenity package (The HUB + The Shack), exterior maintenance, the gate — the deepest Ladera bundle after The Reserve |
| PID check | Lot-specific | Prosper contains PID territory; the one-page entity list settles whether this lot carries an assessment outside every senior protection |
| Insurance | ~$2,800–$3,500/yr typical | New-build pricing with hail-corridor deductibles — read the wind/hail percentage |
| The race | Frozen vs floating | Year one the frozen school line is the bigger share; every year after, the floating remainder gains on it at the Prosper appraisal rate. Long holds still win — the freeze’s lead is large — but less decisively than at cheaper addresses |
Stacked monthly for the representative over-65 couple: HOA call it ~$300 pending the current schedule, tax ~$640, insurance ~$260 — roughly $1,200–$1,350, with a decade carry near $150,000–$165,000. The sibling arbitrage remains the sharpest fact in the file: the identical floor plan twenty minutes away runs about $230,000 less over the same decade — an invoice Prosper’s appreciation history may or may not refund. Lineup context: Which Ladera · Collin guide · the community page
Current HOA schedule, the lot’s PID status, and the frozen-versus-floating decade race at your numbers.