10838 White Oak Trace Ct, Cypress, TX 77429 Property Records

Harris County property record for 10838 White Oak Trace Ct, Cypress, TX 77429

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,510 sqft · built 2000
Lot Size	0.171 acres (7,454 sqft)
Owner	Individual Name on Record
Last Sale	$188,100 (Jan 2018)
Tax Bill	$7,752 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-397-001-0039`

Property Details

APN / Parcel Number

Primary APN	`120-397-001-0039`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,510 sqft Living Area
1st Floor Area	2,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	7,454 sqft (0.171 acres)
View / Lot	Primary
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	139 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1203970010039
Street Address	10838 WHITE OAK TRACE CT
City	CYPRESS
State	TX
Zip	77429-3947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 39 BLK 1 WHITE OAK SPRINGS SEC 1
Legal Subdivision	WHITE OAK SPRINGS SEC 1
Legal Block	1
Legal Lot Number	39
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	3
Census Block	3005
Census Tract	552200

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	Individual Name on Record
Mailing Address	10838 WHITE OAK TRACE CT, CYPRESS, TX 77429-3947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 23, 2018	Warranty Deed, Transfer BICH N TRAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2018 · Amount on Record
Deed Sale	Jan 23, 2018 · Amount on Record
Prior Sale	Aug 21, 2000 · Amount on Record
Deed Document Number	201829275
Prior Transfer Date	Jan 22, 2018
Prior Transfer Doc	0000029275
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	10838 WHITE OAK TRACE CT, CYPRESS, TX 77429-3947
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021431638
Date	Jul 30, 2021
Instrument	2021-431638

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jan 23, 2018
Property Address	10838 WHITE OAK TRACE CT, CYPRESS, TX 77429-3947
Document Number	0000029275
Instrument Date	Jan 22, 2018
Instrument	29275
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 WHITE OAK TRACE CT CYPRESS TX 774293947, CYPRESS, TX 77429-3947

Mortgage

Document Number	29276
Date	Jan 23, 2018
Instrument	29276

Lender

Name	BICH N TRAN
Address	PO BOX 550424, HOUSTON, TX 77255-0424

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 22, 2023

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		$343,427 (-1.62%) Land $67,430 Building $275,997	$343,427 (-1.62%) Land $67,430 Building $275,997
2025	$7,752.00 (+12.64%)	$349,094 (-0.22%) Land $67,430 Building $281,664	$349,094 (-0.22%) Land $67,430 Building $281,664
2024	$6,882.00 (+186.39%)
2023		$349,847 Land $58,510 Building $291,337	$349,847 Land $58,510 Building $291,337
2022	$2,403.00 (+36.22%)
2020	$1,764.00

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 128 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	128 in force
Nearby Flood Claims	59 (1980–2020)
Claims Outside the SFHA	59 of 59
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 38 claims Severe Storms And Flooding, Apr 2016 · 7 claims Tropical Storm Allison-06-06-2001, Jun 2001 · 6 claims

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 99.1% of the US · lower than 99.3% 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	HARRIS COUNTY MUD 248 serves 2,076 people · EPA ID TX1013306
Water Source	Purchased groundwater from several systems
Last State Inspection	Mar 2025
Lead	Under 1 ppb (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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · 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: Ezee Fiber.

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