on August 18, 2026
Ten Mile Creek offers newer homes, resort-style amenities, trails, ponds, dog parks, and convenient access to major North Texas roads. However, buyers also need to understand the community’s PID assessment and how that affects the true monthly cost of owning a home here.
I’m Jake Inderman, a Celina TX Realtor and North Texas real estate agent helping buyers and relocation clients compare new construction, neighborhoods, builders, taxes, and homes throughout Celina, Prosper, and Frisco.
I recently toured a new construction home at 2124 Ten Mile Creek Road. At the time of my tour, the home was listed around $585,000 after previously being listed substantially higher. It offered more than 3,100 square feet, four bedrooms, three-and-a-half bathrooms, a study, game room, media room, two bedrooms downstairs, and a greenbelt homesite.
Here’s what buyers should know about living in Ten Mile Creek in Celina, Texas.
**Watch the full video here: https://youtu.be/ttlXsmh9kfw
Ten Mile Creek is a newer residential community in Celina with ongoing new construction.
When I toured the neighborhood, there were still quite a few homes being built, giving buyers an opportunity to purchase in a community that’s earlier in its development compared with some of Celina’s more established neighborhoods.
For buyers relocating to North Texas, that creates both advantages and tradeoffs.
You get newer homes, modern floor plans, and the opportunity to move into a growing area.
However, you should also expect ongoing construction while portions of the neighborhood continue being completed.
Location is one of the first things I’d consider when comparing Ten Mile Creek with other Celina neighborhoods.
The community provides access to the Collin County Outer Loop, which can help connect residents with other major roads and North Texas employment areas.
You’re also within reach of the Dallas North Tollway corridor as development continues expanding north.
During my tour, I estimated approximately:
Actual drive times depend heavily on traffic, construction, time of day, and your exact destination.
If you’re relocating to Celina and commuting regularly, I recommend driving your actual commute during rush hour before choosing a community.
Ten Mile Creek offers several of the amenities buyers commonly look for when comparing newer Celina master-planned communities.
Amenities discussed during my tour included:
This is important because you’re not simply comparing houses when choosing between Celina communities.
You’re comparing lifestyles.
Some buyers want the largest possible amenity package. Others would rather have a simpler community and potentially lower ongoing costs.
The right answer depends on how often you’ll actually use the amenities you’re paying for.
New construction is a major reason buyers may consider Ten Mile Creek.
The home I toured was built by American Legend Homes and provides a good example of the type of floor plan available within the community.
The home included:
For buyers who need flexible living arrangements, having two bedrooms downstairs can be particularly useful.
This is one of my favorite characteristics of this particular floor plan.
You have the primary suite downstairs, but you also have a secondary bedroom with convenient access to a full bathroom.
That can work well for:
If you’re relocating to Texas and expect family to visit frequently, this type of layout can be much more functional than having every secondary bedroom upstairs.
Immediately after entering the home, you have a dedicated study with glass doors.
For buyers working remotely, this is a valuable feature because you don’t have to sacrifice one of the four bedrooms to create an office.
The room also has a window, giving you natural light while working.
Built-in shelving could make the space even more functional.
The main living area has an open layout while still providing a dedicated dining area.
That separation is something some buyers prefer over having the kitchen, dining, and living spaces feel like one enormous room.
The kitchen in the home I toured included:
The pantry was particularly impressive for a home in this general price range.
Storage is one of those features that’s easy to overlook when touring a model or inventory home.
Then you actually move in.
This floor plan does a good job providing storage throughout the house.
In addition to the large kitchen pantry, you have:
That’s useful for households planning to stay in the home for several years.
The home I toured backs to a greenbelt.
That’s one of the biggest features I’d personally pay attention to with this property.
Instead of looking directly into another backyard, you have open green space behind the home and a pond nearby.
Greenbelt lots can be appealing because they may provide additional privacy and a more open backyard environment.
However, buyers should always investigate what’s actually planned behind a property.
Never assume that vacant land will remain vacant forever unless there’s documentation supporting that conclusion.
The backyard was another major positive.
There’s plenty of usable yard space for buyers who want room for:
The covered patio also included a natural-gas connection.
If you grill frequently, having a direct gas hookup means you don’t have to rely on propane tanks.
There’s also wiring available for an outdoor television, making the patio easy to turn into an outdoor entertainment area.
The primary bedroom is located downstairs and offers plenty of room for a large bed and additional furniture.
The bathroom includes:
One thing the shower doesn’t have is a built-in bench.
That’s a relatively minor detail, but it’s exactly the kind of thing I like pointing out during my home tours.
A floor plan can look fantastic online while still having small functional differences that matter once you’re actually living there.
One thing I’ve noticed while touring American Legend Homes in this community is the amount of closet space.
The secondary bedrooms aren’t enormous, but the closets are surprisingly usable.
That’s worth paying attention to.
Some builders create an impressive primary suite while making the secondary bedrooms extremely small.
If you have young children, that may not matter today.
But as they get older, bedroom size and storage can become much more important.
It’s also something future buyers may consider when you eventually sell.
Upstairs, the floor plan includes a secondary living or game-room area.
You could use this space for:
Having a second living space gives households more flexibility than relying entirely on the downstairs living room.
The home also includes a dedicated media room.
This creates an interesting advantage because the media room can be closed off from the upstairs game room.
That means someone can watch a movie or TV while other people use the game room without both spaces competing as heavily with each other.
For households with children or buyers who entertain frequently, having separate entertainment spaces can be a major benefit.
This is one of the most important parts of buying a home in Ten Mile Creek.
During the beginning of my tour, I initially referred to the community as having a MUD, but later corrected that: the assessment discussed for this property was a PID.
PID stands for Public Improvement District.
This distinction matters because MUDs and PIDs aren’t necessarily structured the same way.
A PID can help finance public improvements within a defined area and may create an additional assessment for property owners.
The figures discussed during my tour were approximately:
I also referenced an effective tax rate of approximately 2.06% during the tour.
These numbers were accurate to the information available when I filmed the property and should not be treated as a current quote.
PID assessments, tax rates, exemptions, valuations, and community information can change.
Before purchasing any Ten Mile Creek home, verify the current numbers for that specific property.
One distinction discussed during my tour is that the PID associated with the property can potentially be paid off.
That’s important when calculating the long-term cost of the home.
If you’re considering purchasing in Ten Mile Creek, I would want to know:
Don’t simply ask whether the community has a PID.
Understand exactly what it costs.
This is especially important for buyers moving to Celina from another state.
Don’t compare Ten Mile Creek homes with other Celina communities using purchase price alone.
Compare:
A $600,000 home in one Celina neighborhood could potentially have a different monthly payment from a $600,000 home in another neighborhood.
That’s why I focus heavily on the true monthly cost when helping buyers compare Celina communities.
The home featured in my tour was built by American Legend Homes.
I’ve toured several American Legend floor plans in this community, and some of the features that stood out to me included usable closets, bedroom sizes, flexible layouts, and storage.
As with any builder, buyers should evaluate the individual home rather than relying solely on the builder’s reputation.
I also recommend a third-party inspection on new construction.
I recommend it.
A brand-new house shouldn’t have major problems, but that doesn’t mean every detail will automatically be perfect.
During my own new-construction experience, inspections identified smaller issues that could be addressed.
Think of an independent inspection as an additional layer of due diligence.
You’re spending hundreds of thousands of dollars on the property.
Having another professional evaluate the home before closing can provide valuable peace of mind.
Another question I occasionally get from relocation buyers is about water.
Celina and other North Texas communities can have hard water.
That may result in mineral buildup or visible residue on glass shower doors, faucets, and dishes.
A water softener can be one option homeowners consider.
If you’re moving from somewhere where you haven’t dealt with hard water, it’s a relatively small lifestyle difference but something worth knowing before moving.
If you’re considering Ten Mile Creek, I wouldn’t evaluate it by itself.
Celina has numerous newer and established master-planned communities.
Depending on your budget and priorities, you may also want to compare:
The right community depends on your specific priorities.
Some buyers want the largest amenity package possible.
Others want lower taxes.
Some prioritize Frisco commute times.
Others want a larger lot or specific builder.
That’s why there isn’t one “best neighborhood in Celina.”
One of the reasons buyers continue looking north into Celina is housing value compared with Prosper.
During my tour, I discussed how being north of Prosper can potentially allow buyers to get more home for their money.
The tradeoff is location.
Prosper is farther south and generally closer to Frisco and established commercial development.
Ten Mile Creek gives you access to Celina’s continued growth while potentially providing different home and lot options for the same budget.
The right decision depends on whether you value house, location, commute, amenities, or monthly cost most.
Ten Mile Creek may be worth considering if you want:
It may be less attractive if you want to avoid additional district assessments or prefer a completely established neighborhood with little remaining construction.
Ten Mile Creek is a newer community in Celina, Texas, with access to the Collin County Outer Loop and other major North Texas transportation corridors.
Yes. At the time of my tour, significant new construction was still taking place throughout the community.
Amenities discussed during my tour included resort-style pools, trails, dog parks, ponds, and community green spaces.
During my tour, I initially called the district a MUD but corrected myself later. The assessment discussed for the property was a PID. Buyers should verify the current district information for any specific property.
Yes, the property featured in my tour had a PID assessment according to the information discussed during filming.
The PID discussed during my tour had the ability to be paid off. Buyers should verify the current payoff amount, terms, and remaining balance for the exact property they’re considering.
I estimated approximately 30 minutes during my tour. Actual drive time will depend on your destination, traffic, road construction, and time of day.
I estimated approximately 45 minutes during the tour under favorable traffic conditions. Rush-hour travel can take longer.
The home featured in my tour was built by American Legend Homes. Buyers should verify the current builder lineup and available inventory within the community.
Yes. The home featured in my tour backed to green space with a pond nearby. Availability of greenbelt lots will depend on current inventory.
For the right buyer, Ten Mile Creek offers an appealing combination of newer construction, community amenities, flexible floor plans, green space, and access to the continued growth happening throughout Celina.
The home I toured is a good example of what makes the community interesting.
More than 3,100 square feet, four bedrooms, two bedrooms downstairs, a dedicated study, game room, media room, large backyard, and greenbelt location give buyers a lot of functionality.
But don’t ignore the PID.
The smartest way to compare Ten Mile Creek with another Celina community isn’t simply asking which one has the cheaper house.
Compare the actual monthly payment, taxes, PID, HOA, insurance, commute, amenities, home size, lot, and builder.
That’s how you determine whether you’re actually getting the better value.
I’m Jake Inderman, a Celina TX Realtor and North Texas real estate agent helping buyers and relocation clients navigate Ten Mile Creek and other communities throughout Celina, Prosper, and Frisco.
I help buyers compare new construction, builders, inventory homes, neighborhoods, property taxes, PID/MUD/MMD costs, HOA fees, lot sizes, amenities, commute times, and the true monthly cost of buying a home in North Texas.
If you’re moving to Celina TX in the next 9 days or 9 months, reach out. I can help you compare Ten Mile Creek with other Celina neighborhoods and find the community that makes the most sense for your budget and lifestyle.
Jake Inderman | Celina TX Realtor
Call/Text: 469-343-2008
Email: jake.inderman@gmail.com