10826 Opal Ridge Dr, Houston, TX 77095 Property Records

Harris County property record for 10826 Opal Ridge Dr, Houston, TX 77095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,389 sqft · built 2004
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$356,300 (Feb 2015)
Tax Bill	$7,924 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-602-003-0019`

Property Details

APN / Parcel Number

Primary APN	`120-602-003-0019`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,389 sqft Living Area
Gross Area	3,668 sqft
1st Floor Area	2,038 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Primary
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	223 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1206020030019
Street Address	10826 OPAL RIDGE DR
City	HOUSTON
State	TX
Zip	77095-4650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 19 BLK 3 STONE GATE SEC 5
Legal Subdivision	STONE GATE SEC 5
Legal Block	3
Legal Lot Number	19
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	10826 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit FROST BANK
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2015 · Amount on Record
Deed Sale	Feb 17, 2015 · Amount on Record
Prior Sale	Dec 21, 2004 · Amount on Record
Deed Document Number	201564468
Prior Transfer Date	Feb 13, 2015
Prior Transfer Doc	0000064468
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10826 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10826 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Investor	Possibly a Property Investor

Mortgage

Document Number	0000422357
Date	Nov 3, 2023
Instrument	2023-422357

Lender

Name	FROST BANK
Type	Bank
Address	SAN ANTONIO, TX 78296

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10826 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155661
Date	Mar 25, 2021
Instrument	2021-155661

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10826 OPAL RIDGE DR, HOUSTON, TX 77095-4650
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021155661
Date	Mar 25, 2021
Instrument	2021-155661

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

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		$496,576 (-1.98%) Land $107,328 Building $389,248	$496,576 (-1.98%) Land $107,328 Building $389,248
2025	$7,924.00 (+1.25%) Homeowner's exemption	$506,607 (-4.27%) Land $107,328 Building $399,279	$506,607 (-4.27%) Land $107,328 Building $399,279
2024	$7,826.00 (+215.95%)
2023		$529,181 Land $107,328 Building $421,853	$529,181 Land $107,328 Building $421,853
2022	$2,477.00 (+17.28%)
2020	$2,112.00

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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