10818 Opal Ridge Dr, Houston, TX 77095 Property Records

Harris County property record for 10818 Opal Ridge Dr, Houston, TX 77095

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,711 sqft · built 2002
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,800 (Sep 2021)
Tax Bill	$7,463 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`120-602-003-0021`

Property Details

APN / Parcel Number

Primary APN	`120-602-003-0021`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,711 sqft Living Area
1st Floor Area	2,073 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Primary
Garage Area	308 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	49 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1206020030021
Street Address	10818 OPAL RIDGE DR
City	HOUSTON
State	TX
Zip	77095-4650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 21 BLK 3 STONE GATE SEC 5
Legal Subdivision	STONE GATE SEC 5
Legal Block	3
Legal Lot Number	21
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	10818 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Vendor's Lien, Transfer · Conventional Mortgage BANCORPSOUTH BANK
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Feb 9, 2012 · Amount on Record
Deed Document Number	2021531179
Prior Transfer Date	Sep 15, 2021
Prior Transfer Doc	2021531179
Record Updated	Oct 29, 2026

September 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Sep 16, 2021
Property Address	10818 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Document Number	2021531179
Map Reference	MF 435097
Instrument Date	Sep 15, 2021
Instrument	2021-531179
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10818 OPAL RIDGE DR, HOUSTON, TX 77095-4650

Mortgage

Document Number	2021531180
Date	Sep 16, 2021
Instrument	2021-531180

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10818 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Document Number	0000415103
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10818 OPAL RIDGE DR HOUSTON TX 770954650, HOUSTON, TX 77095-4650

Mortgage

Document Number	0000415103
Date	Sep 18, 2019
Instrument	415103

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

Interest

Rate Type	Adjustable Rate

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		$456,161 (-5.32%) Land $107,328 Building $348,833	$456,161 (-5.32%) Land $107,328 Building $348,833
2025	$7,463.00 (-12.48%) Homeowner's exemption	$481,789 (-11.4%) Land $107,328 Building $374,461	$481,789 (-11.4%) Land $107,328 Building $374,461
2024	$8,527.00 (+207.72%)
2023		$543,775 Land $107,328 Building $436,447	$543,775 Land $107,328 Building $436,447
2022	$2,771.00 (+43.87%)
2020	$1,926.00

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	Not rated no burnable land within 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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