16403 Saddle Ridge Pass, Cypress, TX 77433 Property Records

Harris County property record for 16403 Saddle Ridge Pass, Cypress, TX 77433

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,624 sqft · built 2003
Lot Size	3.78 acres (164,753 sqft)
Owner	Individual Name on File
Last Sale	$529,100 (Jun 2017)
Tax Bill	$18,544 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-835-001-0001`

Property Details

APN / Parcel Number

Primary APN	`122-835-001-0001`
Alternative APN	`1228350010033`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,624 sqft Living Area
1st Floor Area	2,795 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Lot Area	164,753 sqft (3.78 acres)
View / Lot	Primary
Garage Area	898 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	822 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1228350010001
Street Address	16403 SADDLE RIDGE PASS
City	CYPRESS
State	TX
Zip	77433-5939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1 BLK 1 SADDLE RIDGE ESTATES
Legal Subdivision	SADDLE RIDGE ESTATES
Legal Tract	1
Legal Block	1
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	3
Census Block	3000
Census Tract	555701

Owner

Source: Harris County records · APN 122-835-001-0001

Assessment roll updated May 26, 2026 · Last verified June 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 File
Mailing Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Oct 15, 2019	Grant Deed, Transfer NOT AVAILABLE
Jun 23, 2017	Warranty Deed, Transfer ACADEMY MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Prior Sale	Nov 19, 2004 · Amount on Record
Deed Document Number	2017279555
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939
Transaction Type	Mortgage
Record Updated	Mar 05, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939

Mortgage

Document Number	0000066341
Date	Feb 27, 2024
Instrument	2024-66341

Lender

Name	PNC BANK NA
Type	Bank
Address	ADDISON, TX 75001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Mar 01, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939
Document Number	0000186907
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16403 SADDLE RIDGE PASS CYPRESS TX 774335939, CYPRESS, TX 77433-5939

Mortgage

Document Number	0000186907
Date	May 05, 2020
Instrument	186907

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 04, 2050

Interest

Rate Type	Adjustable Rate

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARRIS TX
Recording Date	Oct 15, 2019
Property Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939
Document Number	0000455933
Instrument Date	Oct 10, 2019
Instrument	455933
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17203 SADDLE RIDGE PASS CYPRESS TX 774335962, CYPRESS, TX 77433-5962

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jun 23, 2017
Property Address	16403 SADDLE RIDGE PASS, CYPRESS, TX 77433-5939
Document Number	0000279555
Instrument Date	Jun 22, 2017
Instrument	279555
Transaction Type	Transfer
Record Updated	Jul 28, 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
Address	16403 SADDLE RIDGE PASS CYPRESS TX 774335939, CYPRESS, TX 77433-5939

Mortgage

Document Number	279556
Date	Jun 23, 2017
Instrument	279556

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Unified School District	Cypress-Fairbanks Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,544.00 (+114.26%) Homeowner's exemption	$1,326,793 (+20.62%) Land $405,285 Building $921,508	$1,326,793 (+20.62%) Land $405,285 Building $921,508
2024	$8,655.00 (+8.34%)
2023		$1,100,000 Land $405,285 Building $694,715	$1,100,000 Land $405,285 Building $694,715
2022	$7,989.00 (+8.56%)
2020	$7,359.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 17, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 119 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	4 (2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 4 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile USA.

Based on FCC filings for 532 locations within half a mile of this property.

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