16539 Oat Mill Dr, Houston, TX 77095 Property Records

Harris County property record for 16539 Oat Mill Dr, Houston, TX 77095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,704 sqft · built 2000
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (Apr 2021)
Tax Bill	$4,950 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`120-394-002-0047`

Property Details

APN / Parcel Number

Primary APN	`120-394-002-0047`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,704 sqft Living Area
1st Floor Area	1,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2019
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
View / Lot	Primary
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1203940020047
Street Address	16539 OAT MILL DR
City	HOUSTON
State	TX
Zip	77095-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 47 BLK 2 WHEATSTONE ESTATES SEC 1 AMEND
Legal Subdivision	WHEATSTONE ESTATES SEC 1 AMEND
Legal Block	2
Legal Lot Number	47
Jurisdiction	HARRIS TX
Township / Civil Division	NORTHWEST HARRIS
Census Block Group	1
Census Block	1000
Census Tract	541205

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	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Vendor's Lien, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 22, 2020	Deed of Trust, Mortgage GUILD MTG
Feb 28, 2019	Warranty Deed, Transfer GUILD MTG
Dec 26, 2018	Warranty Deed, Construction Loan · Line of Credit NINO KAR CORP
Jun 18, 2018	Loan Modification, Mortgage · VA Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Feb 28, 2019 · Amount on Record
Deed Document Number	2021201005
Prior Transfer Date	Apr 14, 2021
Prior Transfer Doc	0000201005
Record Updated	Oct 29, 2026

April 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HARRIS TX
Recording Date	Apr 15, 2021
Property Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	2021201005
Map Reference	MF 429018
Instrument Date	Apr 14, 2021
Instrument	2021-201005
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105

Mortgage

Document Number	2021201006
Date	Apr 15, 2021
Instrument	2021-201006

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRIS TX
Property Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	0000219045
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	SELECT TITLE COMPANY, SELECT TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16539 OAT MILL DR HOUSTON TX 770957105, HOUSTON, TX 77095-7105

Mortgage

Document Number	0000219045
Date	May 26, 2020
Instrument	219045

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 25, 2035

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Feb 28, 2019
Property Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	0000080711
Instrument Date	Feb 28, 2019
Instrument	80711
Transaction Type	Transfer
Record Updated	Mar 5, 2019
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16539 OAT MILL DR HOUSTON TX 770957105, HOUSTON, TX 77095-7105

Mortgage

Document Number	80712
Date	Feb 28, 2019
Instrument	80712

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Dec 26, 2018
Property Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	0000574708
Instrument Date	Oct 20, 2018
Instrument	574708
Transaction Type	Construction Loan
Record Updated	Jan 10, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 STANFORD ST HOUSTON TX 770194305, HOUSTON, TX 77019-4305
Investor	Possibly a Property Investor

Mortgage

Document Number	574709
Date	Dec 26, 2018
Instrument	574709

Lender

Name	NINO KAR CORP
Address	1221 BONNER ST, HOUSTON, TX 77007-3509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 25, 2019

Interest

Rate Type	Adjustable Rate

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARRIS TX
Property Address	16539 OAT MILL DR, HOUSTON, TX 77095-7105
Document Number	0000434686
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16539 OAT MILL DR HOUSTON TX 770957105, HOUSTON, TX 77095-7105

Mortgage

Document Number	0000434686
Date	Sep 21, 2018
Instrument	434686

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	204 Months
Due	Sep 20, 2035

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$300,489 (-6.31%) Land $64,061 Building $236,428	$300,489 (-6.31%) Land $64,061 Building $236,428
2025	$4,950.00 (-8.37%) Homeowner's exemption	$320,741 (+1.01%) Land $64,061 Building $256,680	$320,741 (+1.01%) Land $64,061 Building $256,680
2024	$5,402.00 (+208.16%)
2023		$317,530 Land $64,061 Building $253,469	$317,530 Land $64,061 Building $253,469
2022	$1,753.00 (+16.63%)
2020	$1,503.00

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 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

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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