16535 Oat Mill Dr, Houston, TX 77095 Property Records

Harris County property record for 16535 Oat Mill Dr, Houston, TX 77095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,386 sqft · built 2000
Lot Size	0.168 acres (7,318 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jun 2021)
Tax Bill	$7,949 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120-394-002-0046`

Property Details

APN / Parcel Number

Primary APN	`120-394-002-0046`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,386 sqft Living Area
1st Floor Area	1,023 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2018
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,318 sqft (0.168 acres)
View / Lot	Primary
Garage Area	320 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1203940020046
Street Address	16535 OAT MILL DR
City	HOUSTON
State	TX
Zip	77095-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 46 BLK 2 WHEATSTONE ESTATES SEC 1 AMEND
Legal Subdivision	WHEATSTONE ESTATES SEC 1 AMEND
Legal Block	2
Legal Lot Number	46
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	1
Census Block	1000
Census Tract	541205

Owner

16535 Oat Mill Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105
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
Oct 23, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 2, 2021	Vendor's Lien, Transfer · Conventional Mortgage COMMONWEALTH MORTGAGE OF TEXAS LP
Jul 10, 2018	Loan Modification, Mortgage PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Feb 2, 2015 · Amount on File
Deed Document Number	2021304278
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	0000304278
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105

Mortgage

Document Number	0000512191
Date	Oct 23, 2020
Instrument	2020-512191

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Aug 1, 2048

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Jun 2, 2021
Property Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	2021304278
Map Reference	MF 441125
Instrument Date	May 25, 2021
Instrument	2021-304278
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	FRONTIER TITLE COMPANY-WH LLC, FRONTIER TITLE CO WH LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105

Mortgage

Document Number	2021304279
Date	Jun 2, 2021
Instrument	2021-304279

Lender

Name	COMMONWEALTH MORTGAGE OF TEXAS LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	16535 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	0000342402
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16535 OAT MILL DR HOUSTON TX 770957105, HOUSTON, TX 77095-7105

Mortgage

Document Number	0000342402
Date	Jul 30, 2018
Instrument	342402

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 16535 Oat Mill Dr was $7,949, down 1.1% from the year before.

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		$296,437 (-7.12%) Land $65,054 Building $231,383	$296,437 (-7.12%) Land $65,054 Building $231,383
2025	$7,949.00 (-1.09%)	$319,154 Land $65,054 Building $254,100	$319,154 Land $65,054 Building $254,100
2024	$8,037.00
2023		$323,539 Land $65,054 Building $258,485	$323,539 Land $65,054 Building $258,485
2022	$2,222.00
2020	$1,390.00

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

Flood

FEMA maps place 16535 Oat Mill Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2009.

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 107 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	107 in force
Nearby Flood Claims	4 (2009–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2016 · 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

The area around 16535 Oat Mill Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 155 serves 2,829 people · EPA ID TX1012351
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2016
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 788 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ezee Fiber.

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