10802 Opal Ridge Dr, Houston, TX 77095 Property Records

Harris County property record for 10802 Opal Ridge Dr, Houston, TX 77095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,157 sqft · built 2004
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,011 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-602-003-0025`

Property Details

APN / Parcel Number

Primary APN	`120-602-003-0025`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,157 sqft Living Area
1st Floor Area	2,104 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Buildable
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1206020030025
Street Address	10802 OPAL RIDGE DR
City	HOUSTON
State	TX
Zip	77095-4650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 25 BLK 3 STONE GATE SEC 5
Legal Subdivision	STONE GATE SEC 5
Legal Block	3
Legal Lot Number	25
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	4
Census Block	4000
Census Tract	541007

Owner

Source: Harris County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10802 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2018	Deed of Trust, Mortgage · Line of Credit SENTE MORTGAGE INC
Sep 4, 2020	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE CO
Jul 22, 2019	Vendor's Lien, Transfer · Conventional Mortgage HOME USA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020
Deed Sale	Sep 4, 2020
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	2020416400
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	0000314651
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10802 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127929
Date	Mar 27, 2018
Instrument	2018-127929

Lender

Name	SENTE MORTGAGE INC
Type	Mortgage Company
Address	AUSTIN, TX 78746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Sep 4, 2020
Property Address	10802 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Document Number	0000416400
Instrument Date	Sep 3, 2020
Instrument	416400
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10802 OPAL RIDGE DR HOUSTON TX 770954650, HOUSTON, TX 77095-4650

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Jul 22, 2019
Property Address	10802 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Document Number	0000314651
Map Reference	MF 435097
Instrument Date	Jul 18, 2019
Instrument	2019-314651
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18247 WESTRIDGE BEND LN, CYPRESS, TX 77433-2505

Mortgage

Document Number	0000314652
Date	Jul 22, 2019
Instrument	2019-314652

Lender

Name	HOME USA MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Unified School District	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$501,400 (-1.93%) Land $107,328 Building $394,072	$501,400 (-1.93%) Land $107,328 Building $394,072
2025	$8,011.00 (-0.4%) Homeowner's exemption	$511,248 (-3.81%) Land $107,328 Building $403,920	$511,248 (-3.81%) Land $107,328 Building $403,920
2024	$8,043.00 (+216.9%)
2023		$531,522 Land $107,328 Building $424,194	$531,522 Land $107,328 Building $424,194
2022	$2,538.00 (+16.42%)
2020	$2,180.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.3% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	REMINGTON MUD 1 serves 13,746 people · EPA ID TX1013074
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Spectrum.

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