16103 Finnigans Cir, Houston, TX 77044 Property Records

Harris County property record for 16103 Finnigans Cir, Houston, TX 77044

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,348 sqft · built 2011
Lot Size	0.216 acres (9,399 sqft)
Owner	Individual Name on File
Last Sale	$580,545 (Jun 2022)
Tax Bill	$9,556 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131-451-001-0022`

Property Details

APN / Parcel Number

Primary APN	`131-451-001-0022`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,348 sqft Living Area
1st Floor Area	3,348 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	9,399 sqft (0.216 acres)
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1314510010022
Street Address	16103 FINNIGANS CIR
City	HOUSTON
State	TX
Zip	77044-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 22 BLK 1 LAKESHORE SEC 15
Legal Subdivision	LAKESHORE SEC 15
Legal Block	1
Legal Lot Number	22
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2033
Census Tract	252003

Owner

16103 Finnigans Cir is owned and occupied by an individual who bought it in June 2022.

Source: Harris County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	16103 FINNIGANS CIR, HOUSTON, TX 77044-2436
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Vendor's Lien, Transfer · Conventional Mortgage AMERICAS CHOICE HOME LOANS LP
Apr 24, 2020	Deed of Trust, Mortgage SECURITYNATIONAL MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on File
Deed Sale	Jun 24, 2022 · Amount on File
Prior Sale	Oct 7, 2013 · Amount on File
Deed Document Number	2022327491
Record Updated	Oct 29, 2026

June 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Jun 24, 2022
Property Address	16103 FINNIGANS CIR, HOUSTON, TX 77044-2436
Document Number	0000327491
Map Reference	MF 627180
Instrument Date	Jun 23, 2022
Instrument	2022-327491
Transaction Type	Transfer
Record Updated	Jul 4, 2022
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	16103 FINNIGANS CIR, HOUSTON, TX 77044-2436

Mortgage

Document Number	0000327492
Date	Jun 24, 2022
Instrument	2022-327492

Lender

Name	AMERICAS CHOICE HOME LOANS LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	16103 FINNIGANS CIR, HOUSTON, TX 77044-2436
Document Number	0000181216
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16103 FINNIGANS CIR HOUSTON TX 770442436, HOUSTON, TX 77044-2436

Mortgage

Document Number	0000181216
Date	Apr 29, 2020
Instrument	181216

Lender

Name	SECURITYNATIONAL MTG CO
Address	MURRAY, UT 84123

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 28, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 16103 Finnigans Cir was $9,556 with a homeowner's exemption, up 247.7% from the year before.

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	Houston City
Unified School District	Humble Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$454,381 (-3.76%) Land $73,259 Building $381,122	$454,381 (-3.76%) Land $73,259 Building $381,122
2025	$9,556.00 (+247.74%) Homeowner's exemption	$472,130 Land $73,259 Building $398,871	$472,130 Land $73,259 Building $398,871
2024	$2,748.00
2023		$485,000 Land $45,583 Building $439,417	$485,000 Land $45,583 Building $439,417
2022	$2,556.00
2020	$2,037.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16103 Finnigans Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 343 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	343 in force
Nearby Flood Claims	7 (2016–2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Jul 2024 · Hurricane Beryl
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2024 · 2 claims Hurricane Harvey, Aug 2017 · 2 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

Wildfire risk around 16103 Finnigans Cir is low, with less than 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 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 412 serves 3,480 people · EPA ID TX1013354
Water Source	Purchased surface water from CITY OF HOUSTON
Last State Inspection	Jun 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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