Harris County property record for 12103 Bay Cedar Dr, Houston, TX 77048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,324 sqft · built 1976 |
| Lot Size | 0.311 acres (13,557 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,600 (Feb 2026) |
| Tax Bill | $287 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 108-138-000-0007 |
| Primary APN | 108-138-000-0007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| 1st Floor Area | 1,324 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 13,557 sqft (0.311 acres) |
| View / Lot | Neighborhood |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1081380000007 |
|---|---|
| Street Address | 12103 BAY CEDAR DR |
| City | HOUSTON |
| State | TX |
| Zip | 77048-4001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 7A BLK 2 KING ESTATES SEC 2 |
| Legal Subdivision | KING ESTATES SEC 2 |
| Legal Tract | 7A |
| Legal Block | 2 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | HOUSTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 331603 |
12103 Bay Cedar Dr is owned by an individual who bought it in February 2026.
Source: Harris County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 COUNTY ROAD 5102L, CLEVELAND, TX 77327 |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on File |
| Deed Sale | Feb 27, 2026 · Amount on File |
| Prior Sale | Jan 16, 2026 · Amount on File |
| Deed Document Number | 202675215 |
| Prior Transfer Date | Jan 13, 2026 |
| Prior Transfer Doc | 0000017380 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | Jan 16, 2026 |
| Property Address | 12103 BAY CEDAR DR, HOUSTON, TX 77048-4001 |
| Document Number | 0000017380 |
| Map Reference | VOL 221 PG 102 |
| Instrument Date | Jan 13, 2026 |
| Instrument | 2026-17380 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12103 BAY CEDAR DR, HOUSTON, TX 77048-4001 |
| Name | Verified Name |
|---|
| Document Number | 0000017381 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 2026-17381 |
| Name | CHAMPIONS FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
The 2025 property tax bill for 12103 Bay Cedar Dr was $287, down 48.8% from the year before.
Source: Harris County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Municipality | Houston City |
| Unified School District | Houston Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $197,445 (-) Land $57,996 Building $139,449 | $197,445 (-) Land $57,996 Building $139,449 | |
| 2025 | $287.00 (-48.84%) Homeowner's exemption | $197,445 Land $57,996 Building $139,449 | $197,445 Land $57,996 Building $139,449 |
| 2024 | $561.00 | ||
| 2023 | $196,741 Land $57,996 Building $138,745 | $196,741 Land $57,996 Building $138,745 | |
| 2022 | $37.00 | ||
| 2020 | $601.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12103 Bay Cedar Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2013.
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 File median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 5 (2013–2024) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2024 · Hurricane Beryl |
| Claims by Event |
|
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 risk around 12103 Bay Cedar Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.6% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HOUSTON serves 2,970,543 people · EPA ID TX1010013 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2024) action level 15 ppb |
| Water Quality | Turbidity resolved · May 2025 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 815 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 |
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