12603 E Shadow Lake Ln, Cypress, TX 77429 Property Records

Harris County property record for 12603 E Shadow Lake Ln, Cypress, TX 77429

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,710 sqft · built 1964
Lot Size	1.86 acres (81,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$711,550 (Sep 2025)
Tax Bill	$8,383 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2024 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`081-416-000-0061`

Property Details

APN / Parcel Number

Primary APN	`081-416-000-0061`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,710 sqft Living Area
1st Floor Area	2,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1992
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	81,280 sqft
View / Lot	Flood Plain
Garage Type	Detached
Garage Area	924 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	669 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	0814160000061
Street Address	12603 E SHADOW LAKE LN
City	CYPRESS
State	TX
Zip	77429-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 61 CYPRESS CREEK ESTATES
Legal Subdivision	CYPRESS CREEK ESTATES
Legal Tract	61
Legal Block	2
Legal Lot Number	61
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	2
Census Block	2010
Census Tract	552301

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	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Vendor's Lien, Transfer · Conventional Mortgage C & T MORTGAGE INC
Oct 23, 2024	Special Warranty Deed, Transfer
Oct 23, 2024	Vendor's Lien, Subdivision Related Transfer · Stand-Alone First Mortgage OFN LENDING LLC
Jul 24, 2019	Loan Modification, Mortgage US SMALL BUSN ADMN
Oct 19, 2017	Trustee's Deed, Construction Loan · Construction Mortgage US SMALL BUSN ADMN
May 11, 2017	Deed of Trust, Mortgage HOME LN INV BK FSB
Apr 12, 2017	Warranty Deed, Transfer MORGAN STANLEY PVT BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Prior Sale	Mar 1, 2018
Deed Document Number	2025373984
Prior Transfer Date	Apr 10, 2017
Prior Transfer Doc	0000155975
Record Updated	Oct 29, 2026

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Sep 19, 2025
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000373984
Map Reference	VOL 2637 PG 479
Instrument Date	Sep 19, 2025
Instrument	2025-373984
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802

Mortgage

Document Number	0000373985
Date	Sep 19, 2025
Instrument	2025-373985

Lender

Name	C & T MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

October 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Oct 23, 2024
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000393989
Map Reference	MF 674888
Instrument Date	Oct 8, 2024
Instrument	2024-393989
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10908 UPLAND RETREAT DR, HOUSTON, TX 77043-4784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10908 UPLAND RETREAT DR, HOUSTON, TX 77043-4784
Investor	Possibly a Property Investor

October 2024: Vendor's Lien, Subdivision Related Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Oct 23, 2024
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000393990
Map Reference	MF 674888
Instrument Date	Oct 8, 2024
Instrument	2024-393990
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10908 UPLAND RETREAT DR, HOUSTON, TX 77043-4784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10723 RANDALL RUN LN, CYPRESS, TX 77433-6718

Mortgage

Document Number	0000393991
Date	Oct 23, 2024
Instrument	2024-393991

Lender

Name	OFN LENDING LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000349540
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12603 E SHADOW LAKE LN CYPRESS TX 774292802, CYPRESS, TX 77429-2802

Mortgage

Document Number	0000349540
Date	Aug 9, 2019
Instrument	349540

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Aug 8, 2047

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HARRIS TX
Recording Date	Oct 19, 2017
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Instrument Date	Oct 10, 2017
Instrument	458956
Transaction Type	Construction Loan
Record Updated	Oct 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12603 E SHADOW LAKE LN CYPRESS TX 774292802, CYPRESS, TX 77429-2802

Mortgage

Document Number	0000458956
Date	Oct 19, 2017
Instrument	458956

Lender

Name	US SMALL BUSN ADMN
Address	EL PASO, TX 79935

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000231192
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12603 E SHADOW LAKE LN CYPRESS TX 774292802, CYPRESS, TX 77429-2802

Mortgage

Document Number	0000231192
Date	May 25, 2017
Instrument	231192

Lender

Name	HOME LN INV BK FSB
Type	Bank
Address	WARWICK, RI 02886-1765

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 24, 2027

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Apr 12, 2017
Property Address	12603 E SHADOW LAKE LN, CYPRESS, TX 77429-2802
Document Number	0000155975
Instrument Date	Apr 10, 2017
Instrument	155975
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	TEXAS AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12603 E SHADOW LAKE LN CYPRESS TX 774292802, CYPRESS, TX 77429-2802

Mortgage

Document Number	155976
Date	Apr 12, 2017
Instrument	155976

Lender

Name	MORGAN STANLEY PVT BK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.9%

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		$814,278 (+13.28%) Land $168,534 Building $645,744	$814,278 (+13.28%) Land $168,534 Building $645,744
2025	$8,383.00 (+107.19%) Homeowner's exemption	$718,800 (-0.45%) Land $168,534 Building $550,266	$718,800 (-0.45%) Land $168,534 Building $550,266
2024	$4,046.00 (+21.61%) Homeowner's exemption	$722,050 (+11.83%) Land $168,534 Building $553,516	$722,050 (+11.83%) Land $168,534 Building $553,516
2023	$3,327.00 Homeowner's exemption	$645,650 Land $168,534 Building $477,116	$645,650 Land $168,534 Building $477,116
2022	$3,327.00 (+2.94%)
2020	$3,232.00

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 177 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	177 in force
Nearby Flood Claims	323 (1979–2023)
Claims Outside the SFHA	299 of 323
Most Recent Claim	May 2023 · rainfall accumulation
Claims by Event	Hurricane Harvey, Aug 2017 · 164 claims Severe Storms And Flooding, May 2016 · 73 claims Tropical Storm Allison-06-06-2001, Jun 2001 · 34 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 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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